Pure Grace
Ultimately it comes down to this, that either God does it all for us in salvation, or He doesn’t. I believe God does it all from eternity past to eternity future, even enabling us to believe - that saving faith is a gift of God. Some say saving faith is OUR contribution to salvation because of creaturely freedom: that the believing ones had the fortunate opportunity (fate?) to be able (of human achievement) to believe. Nope, Grace.