not for an act of penance but for a radical change of mind that would lead to a deep transformation of life. Later he would write to his vicar Johannes Staupitz about this glowing discovery: “I venture to say they are wrong who make more of the act in Latin than of the change of heart in Greek” (Bainton, Here I Stand, p. 67). So began the Reformation, and at its heart lay Luther’s great discovery: Repentance is a characteristic of the whole life, not the action of a single moment. Salvation is a gift,