Another question came to mind. As the chosen children of God, when exactly are we regenerated? Our salvation was wrought upon the cross and repentance comes after regeneration. So then are we still born dead in our sin? Or are we not made alive in Christ until the Spirit works say twenty years down the road? I apologize if I am not being clear in my questioning as well.

"There is nothing that keeps wicked men at any one moment out of hell, but the mere pleasure of God." - Jonathan Edwards