In what way faith is necessary for repentance. Means for paying our debts, in which work, prayer, tears, and fasting are of more value than money. Some instances are adduced, and St. Ambrose declares that generosity is profitable, but only when joined with faith; it is, moreover, liable to certain defects. He goes on to speak of some defects in repentance, such as too great haste in seeking reconciliation, considering abstinence from sacraments all that is needed, of committing sin in hope of repenting later.