fredman,

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Could you at least interact with the study of historic Christian theology and biblical exegesis that the men provide to explain why you think their conclusions are non-scriptural and born of man's reason?

It is a doomed attempt to reconcile the popular heresy, age of accountability, with Calvinism.

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How can a divine act of regeneration be efficacious but not beneficial? What does that even begin to mean? God can begin a good work of regeneration in a sinner, but it won't benefit him?

It doesn't begin. The Word of God offers the forgiveness of sins in the gospel. However, if man rejects the offer of grace, he is hardened in his unbelief.

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Wait a second. In other posts you are arguing for a total inability and no freewill, yet here you are saying that regeneration can be RECEIVED by faith alone? I thought regeneration begot the person's faith to begin with?

It does in them that believe. "Oh, the depth of the riches both of the wisdom and knowledge of God! How unsearchable are His judgments and His ways past finding out!"

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What?! James entire epistle is written to inquire after such matters. So was John's first epistle. A person who is regenerated and given saving faith by a divine act of God will produce good works. The Bible makes it quite clear, with no doubt, that if a person claims to have faith in Christ, but has no love for Christ, his people, never conforms to godliness and never produces the fruits of the spirit in his life that manifests in visible, godly works, then I am authorized as a Christian to question such belief and to doubt the person's claim.

Of course you are! But you raised the question about past belief not current belief.