What about those who have never heard the gospel?

In Sunday's message, we noted that everyone who hears the gospel must answer the question, "do you believe in Jesus?"  But what about those who have never heard the gospel?  Are they culpable for their sins even though they never had the opportunity to believe in Jesus? 

I intended to write an article to answer that question, but it turns out I wrote a series on the subject several years ago.  Here are the links to those articles:  Part 1    Part 2    Part 3    Part 4    Part 5

I hope you find the articles helpful.