^{4 Ref} Now, the reward is credited to him who does works, not as of grace but as a debt.

^{5 Ref} But to him who without working has faith in him who gives righteousness to the evil-doer, his faith is put to his account as righteousness.

^{6 Ref} As David says that there is a blessing on the man to whose account God puts righteousness without works, saying,

^{7 Ref} Happy are those who have forgiveness for their wrongdoing, and whose sins are covered.

^{8 Ref} Happy is the man against whom no sin is recorded by the Lord.