Lacknothing, You are correct in saying that FAITH & REPENTANCE are necessary for SALVATION. Where you do err is in "placing the cart before the horse". Where re-generation occurs, the resurrection of the "Dead in the trespasses and sins" man (Ephesians 2:1 and following) FAITH and REPENTANCE always follows. Not only is saving FAITH the gift of God as has been shown in numerous posts on this subject but, REPENTANCE is also the gift of God (II Tim.2:25;Acts 5:31). If God does not grant it, no one would TRULY REPENT. Salvation is of the Lord from beginning to end,man does not contribute anything.