Ok...when someone is an adult, we can see by their admission and actions if they are saved.{or not.}But God also states,"I knew you in the womb".So, that being said, when women have miscarriages,let's say when the baby is formed, ,now, that baby is human, yet because they can't verbally speak or we don't know what their thoughts are,unlike a talking adult,where would they go?Well I would think, as God knows the heart,and foresees the future, it would go by looking ahead to what the unborn baby would do when grown up.They could go on to be a believer, or go on to be as evil as Adolph Hitler.{and not repent.} So I would think God would look at their heart in future tense.Because we can't see the miscarried baby in the future,but God can. Think so?Of course,the same could apply to someone who has severe mental conditions,like retardation or cerebral palsyAnd then they die..What do you think?