Saving Faith (6)

As we have said before, there are no conditions whatsoever unto salvation. Salvation is absolutely free and sovereign. And even the gift of faith Christ merited for us by His perfect obedience. Nor may we conceive of faith as if it were a meritorious work on the part of man, whereby he assents to God's righteousness and humbles himself in true repentance, in order that in that way he may make himself worthy of the grace of God. For faith is characterized by being itself entirely without merit....