See G.I. Williamson, The Heildelberg Catechism: A Study Guide (P&R Publishing, 1993), pages 70-71 for a very good explanation of this question.

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Sterling Harmon
Coventry, CT
PCA
Deacon
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"Whatever is laudable in our works proceeds from the grace of God."
-- John Calvin, Institutes III:xv.3.

"Our Lord God must be a good man, to be fond of worthless fellows. I cannot like them, and yet I, myself, am one."
-- Martin Luther, Table Talk