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What should be the appropriate "reply" for refutation?

If our assurance of salvation were dependent upon our own holiness then, of course, we would have no assurance at all. However, our assurance of salvation rests in the sinless life and the propitiary death of Christ and His perfections.

I wouldn't deal overmuch with the scenario provided. Rather, I'd start with the foundational truths of the Person and Work of Christ.


Trust the past to God's mercy, the present to God's love and the future to God's providence." - St. Augustine
Hiraeth