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Titus 2:12

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 12 Teaching us to deny ungodliness and worldly lusts, and how to live soberly, righteously, and godly, in this present world; [Grace is in the heart of every man, waiting for a man to turn inward to be taught and changed to become righteous, pure, and holy. A "believer" who dies still sinning is defiled and banned from heaven; grace is not an excuse to bypass judgment or Hell for him; every man is judged by his words and works.]

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