Truly, it is amazing that the adversaries are in no way moved by so many passages of Scripture, which clearly ascribe justification to faith, and, indeed, deny it to works. Do they think that the same is repeated so often for no purpose? Do they think that these words fell inconsiderately from the Holy Ghost? But they have also devised sophistry whereby they elude them. They say that these passages of Scripture, (which speak of faith,) ought to be received as referring to a _fides formata_, i.e., they do not ascribe justification to faith except on account of love. Yea, they do not, in any way, ascribe justification to faith, but only to love, because they dream that faith can coexist with mortal sin. Whither does this tend, unless that they again abolish the promise and return to the Law? If faith receive the remission of sins on account of love, the remission of sins will always be uncertain, because we never love as much as we ought, yea, we do not love unless our hearts are firmly convinced that the remission of sins has been granted us. Thus the adversaries, while they require in the remission of sins and justification confidence in one's own love, altogether abolish the Gospel concerning the free remission of sins; although at the same time, they neither render this love nor understand it, unless they believe that the remission of sins is freely received. We also say that love ought to follow faith as Paul also says, Gal. 5, 6: For in Jesus Christ neither circumcision availeth anything, nor uncircumcision, but faith which worketh by love. And yet we must not think on that account that by confidence in this love or on account of this love we receive the remission of sins and reconciliation just as we do not receive the remission of sins because of other works that follow. But the remission of sins is received by faith alone, and, indeed, by faith properly so called, because the promise cannot be received except by faith. But faith, properly so called, is that which assents to the promise [is when my heart, and the Holy Ghost in the heart, says: The promise of God is true and certain]. Of this faith Scripture speaks. And because it receives the remission of sins, and reconciles us to God, by this faith we are [like Abraham] accounted righteous for Christ's sake before we love and do the works of the Law, although love necessarily follows. Nor, indeed, is this faith an idle knowledge, neither can it coexist with mortal sin, but it is a work of the Holy Ghost, whereby we are freed from death, and terrified minds are encouraged and quickened. And because this faith alone receives the remission of sins, and renders us acceptable to God, and brings the Holy Ghost, it could be more correctly called _gratia gratum faciens_, grace rendering one pleasing to God, than an effect following, namely, love.