The question in point three is the nature of faith in the declaration of justification. Does God justify sinners or saints? (hint: see Rom 4:5). What is it that makes faith efficacious? Is it because there is some virtue in faith? Is it because of the virtues that accompany faith that make it efficacious? What is the object of faith in the act of justification? These are the sorts of questions addressed very briefly in the Outlook volume 58.7 July/August (2008): 22-23. Part 7, covering the fourth point, appears in the September issue. You can subscribe to the Outlook online.