9. That a man who has altogether confirmed himself in the faith and doctrine of the present church, makes no account of repentance, of the law of the Decalogue, and of works and charity. For he can say, "I cannot do goods from myself; they are contained in faith, whence they come forth of their own accord; I can only know them," and so forth. This is the source of the naturalism which prevails at the present time.