 Our view is that God reaches out with his grace in many, many ways through the created order, through the love of family and people, through the testimonies that we hear, through the gospel being preached to us, through the reading of scripture. God reaches out to us. And when we respond, we cooperate with God's grace and we respond in faith. He gives us more. So, yes, we don't bring anything. And I agree with you when it comes to Luther.