Once again you just post "taint so" without any comprehension of the topic. He does not know it is God's will to credit our faith as righteousness, he denies Romans 4:4-5, Romans 4:23-24.the basis of our salvation are the will of God and the Cross of Christ, not our will nor our faith!
You have no idea that under the wings of Christ we are sheltered from the wrath of God, even toward our misses while under His shelter. Christ became our means of salvation from the wrath of God toward our sins, past, present and future. Try taking your Calvinist glasses off and just reading Romans 3:24-25. But the shelter is accessible only through or on the basis of our faith being credited as righteousness by God.
So simply a child could understand it.