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Who exercises faith?

Those to whom the Holy Spirit comes through the external Word and Sacrament. Age is no barrier (e.g., John the Baptist who was called in the womb by the salutation of Mary exercised his faith in joy, Luke 1:41-44; the child whom Jesus called believed in Him, Matthew 18:2-6; children who are called through baptism repent, Acts 2: 38, 39).