Here’s ‘the Man’, T. F. Torrance, commenting on one of my favorites, Scottish theologian, Jonathan Fraser of Brea (17th c.):

. . . Faith is to be understood in a personal way, not as an assent to information, to truths of Scripture or doctrinal propositions, but as the assent that arises in the heart and understanding as an echo of or answer to Christ’s call in the Gospel. It is a ‘closing with Christ’, when ‘the Lord speaks to the heart and draws the heart to himself’. Faith is to be understood, therefore, in accordance with the nature of its proper object, a Saviour crucified for our sins held out to us by the Love of God in the Gospel. It is not to be understood in terms of its own nature or activity as faith, but in relation to Christ its proper object as he is offered to us in the Gospel. Faith is ‘not a giving but a receiving grace’. What Fraser was concerned to stress here and all through his work was the objective basis of the confidence and assurance of faith, in Christ himself. ‘The Ground of this Confidence is wholly in the Lord Jesus without us, and not at all either in whole or in Part in our selves.’ (Thomas F. Torrance, “Scottish Theology,” 184)

This is how EC’rs like to think about ‘Saving Faith’, it is vicarious, and grounded in Christ’s life for us. I’m afraid that typically faith is framed in ‘substance’ terms, as grace is (the Thomist impact). EC sees such things in relational and through Trinitarian lenses. I hope your faith is grounded in Christ’s and not in some sort of ‘accident’ of essences or something.

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