Through the Bible, we see that Man’s demerit over and against God’s unmerited favour. These 2 doctrines help us understand the glorious gospel. Man is a bankrupt debtor with nothing to offer, no righteousness, no merit, no answer, no defense. He is undeserving and unworthy and yet becomes the great benefactor of God’s matchless grace. How do these truths affect the life and heart of a believer? Romans 3:23-24, Dan 9, Ezra 9 & Neh 9.