That's where the difference lies. Catholics believe that the 'Saints' are those who are in Heaven but Protestants believe 'Saints' to be any Christian. Acts 9 has two references to saints who are clearly living on Earth. Romans 1:7 is a greeting to people who are called to be saints. Romans 8:27 talks about the Spirit intercedes for the saints. The vast majority of the time that the word 'saints' is used in the Bible, it is speaking to Earthbound, living people.
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