⁵ However, to the one who does not work but trusts God who justifies the ungodly, their faith is credited as righteousness.^(A)

⁶ David says the same thing when he speaks of the blessedness of the one to whom God credits righteousness apart from works:

⁴ Christ is the culmination of the law^(A) so that there may be righteousness for everyone who believes.^(B)

¹¹ Clearly no one who relies on the law is justified before God,^(A) because “the righteous will live by faith.”^[a](B)

⁵ he saved us,^(A) not because of righteous things we had done,^(B) but because of his mercy.^(C) He saved us through the washing^(D) of rebirth and renewal^(E) by the Holy Spirit,