““Scripture also makes clear that our faith is not a work. Our new status is based wholly on the merits of Christ and not on anything about us. While a paintbrush may be the instrumental cause of a work of art, the real and efficient cause is, of course, the painter. In the same way, while faith may be the instrumental cause of our union with Christ - that which brings about salvation - the real or efficient cause - that which is finally responsible for salvation - is God.””
