Which is true?

Universalism claims God's grace will save everyone?

Catholicism says the church hierarchy (clergy) dispenses God's grace through sacraments. Hence, men must confess to the priest to be forgiven?

Calvinism says God's grace is extended only to a limited, predestined few whom God unconditionally chose, regardless of their will, character, conduct, etc. And once God saves one of these elect, he can never fall from grace and be lost?

Protestant denominations generally teach salvation by "grace alone" and "faith only," so a man is saved on the basis of his attitude toward God only. Obedience is not necessary?

Some members of conservative churches teach that obedience is necessary to become a child of God?