Justification By Faith

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Justification occurs instantaneously through faith. Martin Luther believed this after studying the Scriptures. However, other religions of the time did not. This is what brought about the Reformation, which spawned many religious denominations from the Catholicism including Lutherans, Calvinists, Anglicans, Presbyterians, etc. Romans 4:4-5, 5:1 (NKJV)