And how is faith not a gift according to Romans 10:17
I think I know where MB is going to go with this. He may say that faith comes from hearing. The Calvinist heartily agrees with that. However, the Calvinist believes that the sinner is unable to hear accompanied by faith because he is spiritually dead (Ephesians 2:1) and unable to respond (Romans 8:7; 1 Corinthians 2:14) unless the Holy Spirit makes him capable of responding. This is done through illumination/regeneration. This is a point in which Calvinism and Arminianism clash.