Question 21. What is true faith?
Answer: True faith is not only a certain knowledge of the truth of all that God has revealed to us in his word, (a) but also an assured confidence, (b) created by the Holy Spirit (c) in my heart through the gospel, (d) that not only to others, but to me also, God has freely given forgiveness of sins, everlasting righteousness, and salvation, (e) out of mere grace, only for the sake of Christ’s merits. (f)
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