Jeri: "Science is physical world and religion is metaphysical, and religious, or spiritual, beliefs are how people explain the physical world when science doesn't have reasonable answers"

No, as you ahve pointed out in the same sentence, beliefs (at least for Christians, I can't answer for every religion) are NOT about explaining the physical world (you ahve already admitted teh same when you point out that religion is metaphysical).

E.g (Christian) religion is about our relationship with God, His purpose for us etc., Science doesn't have answers in this realm in the first place, never mind reasonable answers.