CrossLinks Topical Index - IF
"If conversion were likened to a coin, repentance and faith would be the ‘heads and tails’ [sic] of the coin. As repentance falls short of salvation without saving faith, so faith falls short of salvation if it is somehow divorced from repentance." Elmer L. Towns, "Salvation By Grace Through Faith", Ref-0055, Vol. 7 No. 20, March 2003, p. 33. : quote - repentance vs. faith
IF