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The development of faith in the Lord is an individual matter. Repentance is also an individual matter. Only as an individual can one be baptized and receive the Holy Ghost. Each of us is born individually; likewise, each of us is "born again" individually. Salvation is an individual matter.

The development of faith in the Lord is an individual matter. Repentance is also an individual matter. Only as an individual can one be baptized and receive the Holy Ghost. Each of us is born individually; likewise,