In the following verse the Apostle Paul describes how he was saved: "Not by works of righteousness which we have done, but according to his mercy he saved us, by the washing of regeneration, and renewing of the Holy Spirit" (Titus 3:5). Here Paul uses the word "regeneration" in regard to his salvation. This word is translated from the Greek word paliggenesia, which is the combination of palin and genesis. Palin means "joined to verbs of all sorts,it denotes renewal or repetition of the action" (Thayer's Greek English Lexicon). Genesis means "used of birth, nativity" (Thayer's Greek English Lexicon). When we combine the meaning of the two words we have a "repetition of a birth." It is obvious that the reference is not to a "physical" rebirth, or the repetition of one's physical birth. Paul could only be speaking of a repetition of a spiritual birth. And the words which follow make it certain that the "birth" of which Paul is referring to is a "spiritual" birth--"the renewing of the Holy Spirit." Since a person is "regenerated" by the Holy Spirit then that means that one must have previously been born of the Holy Spirit. That happens at conception. However, the Calvinists deny this truth and insist that an infant comes out of the womb dead spiritually!