Lewis Sperry Chafer, Chafer’s Systematic Theology:
As all these blessings indicated, salvation is a work of God for man, not a work of man for God. What a Christian experiences is what God’s love has prompted Him to do for those who had no merit before Him but who are now recognized in the merit of His Son because of their faith in Christ. The truth of the riches of divine grace are most overwhelming, and it is difficult to give it proper recognition.
Words of Grace 