70. 16 The references in Matthew 24:3 to “the close of the age” and “the Coming of the Lord” that follows it mean the final state or the end of the church of today.

8. Faith comes to us through hearing, when we believe that the teachings divinely revealed to us are true and when we trust in God’s promises. Faith is the beginning of human salvation, and the foundation and root of all justification. Without faith, it is impossible to please God and to come into the company of his children. Our justification takes place through faith, hope, and goodwill. Unless hope and goodwill are added to faith, it is dead rather than living and does not unite us to Christ.

We need to cooperate in this process. We have the power to move either closer to or farther away from [Christ]; if we did not, nothing could be granted to us, because we would be like a lifeless body.

Our openness to being justified renews us; this renewal takes place as Christ’s merit is applied to us, as the result of our own cooperation. Therefore we get credit for the works that we do; yet because they are done as a result of grace and through the Holy Spirit, and because Christ alone has earned merit, the rewards God gives us are his own gifts within us. Therefore none of us can attribute anything of merit to ourselves.