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It is indeed the individual who must exercise that Faith in Christ.
To "exercise" that faith is an act of the will, Mark! <img src="/forum/images/graemlins/grin.gif" alt="" /> Man must and will "choose" to believe upon Christ as a result of regeneration. Notice how the Psalmist puts it in Psalm 110:3,

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"Thy people offer themselves willingly In the day of thy power," (ASV)

"Thy people shall be willing in the day of thy power," (KJV)

The will is "exercised" according to what a man thinks and desires. One who desires Christ will choose to put his faith in Him. One who is convicted of sin and finds it most dreadful will choose to repent. It's not really that hard to understand, is it? <img src="/forum/images/graemlins/wink.gif" alt="" />

In His Grace,

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simul iustus et peccator

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