Three words you may hear this time of year are "Trick or treat." Bu there are three Latin phrases you may often hear at this time of the year as we celebrate the Reformation – sola gratia, sola fide and sola scriptura. We believe that sinners, like you and me, are declared righteous before God by grace alone (sola gratia), through faith alone (sola fide), on the basis of Scripture alone (sola scriptura). Today, let's look at the first sola. The bedrock of what you and I believe is the wonderful assurance that we have been saved by grace alone.