The question is not whether man is saved by faith, we all agree with that, but the question is "WHEN" is man saved by faith? Immediately when they believe or after their faith leads to certain acts of obedience? Does the expression "by faith" necessarily mean at the point of faith? Immediately when one believes? The bible gives us the answer to these questions in Heb 11:30 By faith the walls of Jericho fell down after they were encircled for seven days. NKJV 1. Did the walls of Jericho fall down by faith? YES 2. Did the walls of Jericho fall down just as soon as the Israelites believed? NO After they compassed about! The Israelites had to obey all the conditions-their faith led them to obey God.