http://www.grebeweb.com/linden/imputed_righteousness.html
But, I've here included a snapshot which very neatly captures the essence of the doctrine of salvation.
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Justification is an act of God, not a work in progress. However, God’s act of justification always results in His work of sanctification.
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In justification, God declares the sinner righteous; in this forensic doctrine, God does not make the sinner righteous, but gives him first a standing with Himself. The basis of this declaration is Christ’s obedience, not the progress the Christian is making in holiness.
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God pardons the sinner in a decree so absolute it has the finality of the final judgment. This decree of God is certain and irrevocable.
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The basis of our pardon is the atoning blood of Christ alone.
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The means to justification is faith. "Faith alone" means there is no consideration of our works whatsoever in God’s declaration of righteousness. It does not mean that faith can be devoid of good works, because real faith always results in obedience to God.
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The principle of grace excludes all participation and cooperation by the believer in the bestowal of a gift. All sense of merit or contribution by sinners toward the decree of "righteous" is excluded. Such contribution would destroy the nature of a gift.
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Since our pardon is based only on Christ’s sacrifice on the cross, all penance and atoning activity by sinners is contrary to this basis. Scripture says, "I do not set aside the grace of God, for if righteousness could be gained through the law, Christ died for nothing!" Galatians 2:21
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The faith by which we are saved is by nature one that embraces Christ for cleansing, not a false faith that seeks to have the benefit of a pardon, so that indulgence in sin may be perpetuated.
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