7. Let us begin, for example, with the Symbol and the Lord’s Prayer.

What is shorter to hear or to read? What is more easily memorized?

Since through sin the human race stood grievously burdened by great misery and in deep need of mercy, a prophet, preaching of the time of God’s grace, said, “And it shall be that all who invoke the Lord’s name will be saved.” Thus, we have the Lord’s Prayer. Later, the apostle, when he wished to commend this same grace, remembered this prophetic testimony and promptly added, “But how shall they invoke him in whom they have not believed?” Thus, we have the Symbol. In these two we have the three theological virtues working together: faith believes; hope and love pray. Yet without faith nothing else is possible; thus faith prays too. This, then, is the meaning of the saying, “How shall they invoke him in whom they have not believed?”

8. Now, is it possible to hope for what we do not believe in? We can, of course, believe in something that we do not hope for. Who among the faithful does not believe in the punishment of the impious? Yet he does not hope for it, and whoever believes that such a punishment is threatening him and draws back in horror from it is more rightly said to fear than to hope. A poet, distinguishing between these two feelings, said, “Let those who dread be allowed to hope,” f14 but another poet, and a better one, did not put it rightly: “Here, if I could have hoped for [i.e., foreseen] such a grievous blow...” f15 Indeed, some grammarians use this as an example of inaccurate language and comment, “He said ‘to hope’ when he should have said ‘to fear.’” Therefore faith may refer to evil things as well as to good, since we believe in both the good and evil. Yet faith is good, not evil.

Moreover, faith refers to things past and present and future. For we believe that Christ died; this is a past event. We believe that he sitteth at the Father’s right hand; this is present. We believe that he will come as our judge; this is future. Again, faith has to do with our own affairs and with those of others. For everyone believes, both about himself and other persons — and about things as well — that at some time he began to exist and that he has not existed forever. Thus, not only about men, but even about angels, we believe many things that have a bearing on religion.

But hope deals only with good things, and only with those which lie in the future, and which pertain to the man who cherishes the hope.

Since this is so, faith must be distinguished from hope: they are different terms and likewise different concepts. Yet faith and hope have this in common: they refer to what is not seen, whether this unseen is believed in or hoped for. Thus in the Epistle to the Hebrews, which is used by the enlightened defenders of the catholic rule of faith, faith is said to be “the conviction of things not seen.” f16 However, when a man maintains that neither words nor witnesses nor even arguments, but only the evidence of present experience, determine his faith, he still ought not to be called absurd or told, “You have seen; therefore you have not believed.” For it does not follow that unless a thing is not seen it cannot be believed. Still it is better for us to use the term “faith,” as we are taught in “the sacred eloquence,” to refer to things not seen. And as for hope, the apostle says: “Hope that is seen is not hope. For if a man sees a thing, why does he hope for it? If, however, we hope for what we do not see, we then wait for it in patience.” When, therefore, our good is believed to be future, this is the same thing as hoping for it.

What, then, shall I say of love, without which faith can do nothing?