20. Are all men, then, saved by Christ as they have perished in
Adam?
No, only those who by true faith are ingrafted into Him and
receive all His benefits.
21. What is true faith?
True faith is not only a sure knowledge whereby I hold for truth
all that God has revealed to us in His Word, but also a hearty trust, which the
Holy Spirit works in me by the Gospel, that not only to others, but to me also,
forgiveness of sins, everlasting righteousness, and salvation are freely given
by God, merely of grace, only for the sake of Christ's merits.
22. What, then, is necessary for a Christian to believe?
All that is promised us in the Gospel, which the articles of our
catholic, undoubted Christian faith teach us in summary .