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Pilgrim said:
To use a right illustration to make this point clearer, if that were possible, justification is akin to one making a deposit of a large sum into a bank account which is to be transferred to your own personal account at which time and only at which time you come to the bank and take possession of it by affixing your name to a document. Thus the Lord Christ has merited justification, reconciliation, adoption, etc., for the elect in His active and passive obedience which are held in "trust" until which time those for whom it belongs apprehend it by faith. It is then that the benefits are "transferrred" (imputed) to their account and they actually can be said to possess them.

This above is well written. Thank you Pilgrim. I like it better than Calvins explination. But is this what scripture states? I will give it more thought and respond in due time.

There never was a sinner half as big as Christ is as a Savior.