[Justifying] “faith is the gift of God, lest any man decide to boast, and as the gift of God, it is the only kind of faith that God efficaciously gives—living faith. As living faith it is also an obedient faith, but only in the sense that the sculpted dust that was to be Adam was obedient when God breathed the breath of life into his nostrils. God said live, and so he obediently came to life. The only actions this living and obedient faith perform as the instrument of justification are the actions of resting in and receiving the imputed righteousness of Christ.”
Concise and to the Point, p. 7