"To have faith is not merely to trust the Lord like you trust the bank or the insurance company. You can do that and still remain as selfish as you were before, because such trust is a self-centered concern. The John 3:16 idea of faith solves the problem and lifts our naturally self-centered hearts out of a dark cave into the sunlight: faith is a heart-melting appreciation of what it cost the Son of God to save us." ~Paul E. Penno