thats just it, I did not do something, I said yes, but I did not come to that decision of my own effort, it was god working in me, and when I did say yes, god did all the work of saving me,
it was not me plus God, it was god saying he loved me and wants to save me and he sent his son to,die for me because I deserve eternal death, and if I will stand back and let him, he will save me
effort is what one does when the expend energy, not one ounce of energy was expended when I said yes by my own, but God expended so much in the completed process of bringing me to faith and doing the work to save me, and is continuing to transform me, not because I am expending energy in faith, but because I am at rest, watching him do a powerful thing