Why does the human race need to be saved? From what? Read some typical reactions to these questions from different people, and then discover through the Scriptures what God's answer is. This study looks at the sacrifice of Jesus, the work of the Holy Spirit, the great exchange, union with Christ, and present and future tenses of salvation. A memory verse each week will help you to fix these truths in your mind. Helpful notes bring the significance of these chapters into focus, and speak clearly to us today. Geared for Growth study materials encourage: A Daily Encounter with God: Your 10-15 minutes each day will strengthen the impact of God's word on your daily living. Group learning and sharing: Meet weekly in a small group, share your answers and be enriched as you learn from others. Spiritual Growth: You will be challenged to put God's Word into practice. Others will feel the impact as you obey, grow and mature: Church Growth: Introduce people to Spiritual reality. Your study group could be the stepping-stone for others coming to faith.