Romans 4:3-6New International Version (NIV)
3 What does Scripture say? “Abraham believed God, and it was credited to him as righteousness.”[a]
4 Now to the one who works, wages are not credited as a gift but as an obligation. 5 However, to the one who does not work but trusts God who justifies the ungodly, their faith is credited as righteousness. 6 David says the same thing when he speaks of the blessedness of the one to whom God credits righteousness apart from works:
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