Answer:
- the selling of indulgences
- clerics holding multiple offices
Explanation:
For Martin Luther, man´s salvation comes from God´s grace alone and through faith only, contradicting the traditional posture of the Church about the good works of people in order to win salvation. But what is probably the most important target of Luther´s criticism was the sale of indulgences for the forgiveness of sins or for reducing one´s soul´s time in purgatory. In the 1510s, many cardinals, bishops and other officials led very disolute lives and enjoyed great power. Luther also critized that many Church officials held different posts; Protestant Reformation is considered a factor that contributed to the separation of Church and state, a landmark achievement of Western civilization.