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The excerpt represents the core issue or deciding factor on which you must meditate, and is drawn from Disputation of the Power and Efficacy of Indulgences by Dr. Martin Luther: less that he has attained full remission.
31. Rare as is the man that is truly penitent, so rare is also
the man who truly buys indulgences, i.e., such men are most
rare.
32. They will be condemned eternally, together with their
teachers, who believe themselves sure of their salvation
because they have letters of pardon.
33. Men must be on their guard against those who say that the
pope's pardons are that inestimable gift of God by which man
is reconciled to Him;
34. For these "graces of pardon" concern only the penalties of
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