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Our response in salvation is faith, but even that is not of ourselves [but is] the gift of God. Faith is nothing that we do in our own power or by our own resources. In the first place we do not have adequate power or resources. More than that, God would not want us to rely on them even if we had them. Otherwise salvation would be in part by our own works, and we would have some ground to boast in ourselves. Paul intends to emphasize that even faith is not from us apart from God's giving it.

Some have objected to this interpretation, saying that faith (pistis) is feminine, while that (touto) is neuter. That poses no problem, however, as long as it is understood that that does not refer precisely to the noun faith but to the act of believing. Further, this interpretation makes the best sense of the text, since if that refers to by grace you have been saved through faith (that is, to the whole statement), the adding of and that not of yourselves, it is the gift of God would be redundant, because grace is defined as an unearned act of God. If salvation is of grace, it has to be an undeserved gift of God. Faith is presented as a gift from God in 2 Peter 1:1, Philippians 1:29, and Acts 3:16....

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