He was created of a mother whom He created. He was carried by hands that He formed. He cried in the manger in wordless infancy. He, the Word, without whom all human eloquence is mute.
What is grace? That which is freely given. What is “freely given”? Given, not paid. If it was due, wages would be given, but grace would not be bestowed. But if it was really due, then you were good. But if, as is true, you were evil but believed on him who justifies the ungodly (What is, “who justifies the ungodly”? the ungodly is made righteous), consider what by right hung over you by the law and you have obtained by grace. But having obtained that grace by faith, you will be just by faith—”for the just lives by faith.”
Life Is Worship 