Hello. "Faith is from personal effort." Verses where Paul teaches that please. .. "...Christ's work; not yours." Correct , your works/personal efforts can not and do not save/justify you. .. Once you are saved/JUSTIFIED you are SEALED Eph 1:13. In whom ye also trusted, after that ye heard the word of truth, the gospel of your salvation: in whom also after that ye believed, ye were sealed with that holy Spirit of promise, .. Do you teach that a saved/sealed believer can become unsaved/unsealed ? If so, where does Paul teach that ?