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Faith is "a gratuity from God in the prosecution of His saving work. It comes, not of one's own strength or virtue, but only to those who are chosen of God for its reception (II Thess. ii. 13), and hence is His gift (Eph. vi. 23, cf. ii. 8, 9, Phil, i. 29), through Christ (Acts iii. 16, Phil. i. 29, I Pet. i. 21, cf. Heb. xii. 2), by the Spirit (II Cor. iv. 13, Gal. v. 5), by means of the preached word (Rom. x. 17, Gal. iii. 2, 5); and as it is thus obtained from God (II Pet. i. 1, Jude 3,1 Pet. i. 21), thanks are to be returned to God for it (Col. i. 4, II Thess. i. 3). Thus, even here all boasting is excluded, and salvation is conceived in all its elements as the pure product of unalloyed grace, issuing not from, but in, good works (Eph. ii. 8-12). The place of faith in the process of salvation, as biblically conceived, could scarcely, therefore, be better described than by the use of the scholastic term 'instrumental cause.' Not in one portion of the Scriptures alone, but throughout their whole extent, it is conceived as a boon from above which comes to men, no doubt through the channels of their own activities, but not as if it were an effect of their energies, but rather, as it has been finely phrased, as a gift which God lays in the lap of the soul. 'With the heart,' indeed, 'man believeth unto righteousness'; but this believing does not arise of itself out of any heart indifferently, nor is it grounded in the heart's own potencies; it is grounded rather in the freely-giving goodness of God, and comes to man as a benefaction out of heaven." - B. B. Warfield