Angela: Having been a Catholic until recently, and having attended Bible Study with Protestants for about a year in college, I think I may be able to answer your question about saints:
Catholics ask saints to intercede for them basically because they believe it is more difficult to directly reach God from here on earth. Protestants focus more on a direct personal relationship with God (and as mentioned before, believe that Catholics' reliance on saints' intervention is not worshipping God Himself properly.
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