In His infinite wisdom, God allows trials in order to develop perseverance in us and to cause us to fix our hopes on the glory that is yet to be revealed... Our faith and perseverance can grow only under the pain of trial.

Not only has the debt (of our sins) been fully paid, there is no possibility of ever going into debt again.

I warmly commend it to all Christians who want to grow in their faith.

As we grow in the knowledge of God's holiness, even though we are growing in the practice of holiness, it seems the gap between our knowledge and our practice always gets wider. This is the Holy Spirit's way of drawing us to more and more holiness.

Trials always change our relationship with God. Either they drive us to Him, or they drive us away from Him. The extent of our fear of Him and our awareness of His love for us determine in which direction we will move.

Obeying the revealed will of God and trusting Him for the results.

Grace stands in direct opposition to any supposed worthiness on our part. To say it another way: Grace and works are mutually exclusive. As Paul said in Romans 11:6, "And if by grace, then it is no longer by works; if it were, grace would no longer be grace." Our relationship with God is based on either works or grace. There is never a works-plus-grace relationship with Him.