MSB(i)
4 Now the wages of the worker are not credited as a gift, but as an obligation.
5 However, to the one who does not work, but believes in Him who justifies the wicked, his faith is credited as righteousness.
6 And David speaks likewise of the blessedness of the man to whom God credits righteousness apart from works:
7 “Blessed are they whose lawless acts are forgiven, whose sins are covered.
8 Blessed is the man whose sin the Lord will never count against him.”