need not be something for which we are guilty or culpable. It simply needs to be an aspect or problem of the human condition that requires the instruction, admonition, and/or comfort of Scripture. Thus, an FCF is always phrased in negative terms. It is something wrong (though not necessarily a moral evil) that needs correction or encouragement from Scripture. The personality of the preacher, the circumstances of the congregation, and the emphases of a particular sermon can cause the statement of