I agree, almost. Instead of "civil and religious" though, I'd say civil and personal. The personal level is where religious marriage resides, but not everyone has a religious marriage. Civil is about the benefits, rights, responsibilities, social recognition, and other such parts of marriage. Besides religious marriage, personal marriage includes the reasons why someone got married, how they feel about children as part of their marriage, and other things that are basically for the couple to decide to include or not in their marriage, at least to me.