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God did from all eternity decree to justify all the elect,11 and Christ did in the fullness of time die for their sins, and rise again for their justification;12 nevertheless, they are not justified personally, until the Holy Spirit in time does actually apply Christ to them.13

11 Gal. 3:8, 1 Pet. 1:2, 1 Tim. 2:6
12 Rom. 4:25
13 Col. 1:21–22, Titus 3:4–7