Yes, Larry, I agree that the bottom line is about loving God and your neighbor. It's just that simple. At the same time, it's important to know how that works.
But it's pretty simple: Why does God love you? Because He's your father. That means you have reason to love him back and love your brothers and sisters. Without a reason to love you can't do it at all.
You aren't loved for no reason... and you have reason to love in return.
Blessings,
1PM