To deny that saving faith is of grace - Gery Schmidt

"...to ground any part of salvation in something other than the grace of God is to deny salvation is wholly of grace. Consider the following two examples. For someone to maintain that election is grounded upon foreseen merit is to deny election is of grace. Or, if someone argues that the act of saving faith is the work of the unregenerate, by which salvation is procured, is again to deny that saving faith is of grace. And yet, do not a great many professing Christians believe and argue in this very manner, all the while contending that salvation is all of grace?" - Gery Schmidt