"Why does a man refuse to believe? Because he has confidence in himself; because he has not a sense of his own sins; because he has not love in his heart to his Lord and Saviour. Unbelief men are responsible for. Unbelief is criminal because it is a moral act — an act of the whole nature. Belief or unbelief is a test of a man's whole spiritual condition, just because it is the whole being, affections, will, conscience, and all, as well as the understanding, which are concerned in it."