Here's good news - when God looks down on the world, he sees two kinds of people - those who are lost and need salvation (the unrighteous) and those who are saved (the righteous). If you are a believer, you have been justified and are righteous in God's sight. Our friend, Clay, calls with a question about suicide. Does suicide negate salvation? Richard sets the record straight regarding this oft-misunderstood subject. Angela called to explain her understanding of faith. Bob shares Major Ian Thomas' insight on faith - first, it's the love of God initiated toward us, which results in our love for God, resulting in our dependence to God, resulting in obedience to God. Joe in KY asks about the New Covenant - does a Christian still have to tithe 10%? Andrew explains how New Covenant believers honor the Lord in their giving. Victor asks about "replacement" theology - believers who think they can replace Israel by keeping the Jewish customs. It's an interesting discussion. Brad in Missouri points to the verse in Matthew which speaks about "taking up the cross". Bob explains that our responsibility is simply to walk by faith.