M. Loy, The Doctrine of Justification, 2nd ed., revised and enlarged (Columbus, O.: Lutheran Book Concern, 1882), "The Means of its Reception," p. 135

Faith that embraces Christ as the Saviour justifies in any of its degrees; and the justification which it secures is not graduated according to the degree of the faith which secures it. That which is requisite to justifi…