"Yes, thank God!" cried the sailor; "my debts were paid, every one of them, when my Saviour died on Calvary. Does not St. Paul say that Christ blotted out the handwriting of ordinances that was against us, which was contrary to us, and took it out of the way, nailing it to his cross?"

"Were every one's sins blotted out then?" asked Stone.

"The sins of all who have living faith in the Lord."

"Ah! faith; that's what you're always talking about, and I can never quite make out what it means."

"It simply means that we believe from the heart that the Son of God died for us," said Ned Franks.

"Is that all?" exclaimed Stone, in surprise. "Why, a poor wretch like Nancy Sands might believe that as well as yourself!"

"And if poor Nancy does believe that from the heart, her sins, be they few or many, are forgiven her for the sake of Him who bore the punishment for them all."

"That's a dangerous doctrine, a very dangerous doctrine," said the carpenter, shaking his head; "you wouldn't put Nancy, I hope, on the same footing as yourself or as me?"

"The ark of Salvation is as open to Nancy as to us," replied Franks; "and if any of us reach God's heaven, it can only be in that ark."