80. So, then, it is fitting for us to believe both that sinners must repent and that forgiveness is to be given on repentance, yet still as hoping for forgiveness as granted upon faith, not as a debt, for it is one thing to earn, and another presumptuously to claim a right. Faith asks for forgiveness, as it were, by covenant, but presumption is more akin to demand than to request. Pay first that which you owe, that you may be in a position to ask for what you have hoped. Come with the disposition of an honest debtor, that you may not contract a fresh liability, but may pay that which is due of the existing debt with the possessions of your faith.