With some who had been learned theologians during their lives I discussed the subject of faith and good works, and their claim that faith alone saves without good works, and that works condemn. I said that such formulas without any explanation are dangerous, especially to the uneducated. For it is faith that saves because there is life in that faith, that is, the Lord, Who alone is life. So He saves through faith, and when there is faith, they cannot but do the works of charity, without which a person is like a tree without fruit, bearing only leaves.