Well, one of the most beautiful aspects of the Gospel is that no matter where you are in life … no matter your age … your background … your socio-economic status, or your life-choices … at any point in time, you can choose to follow Jesus and accept His free gift of eternal life.  And as we continue our study today in the book of Romans on Bold Steps, Pastor Mark Jobe will take us to chapter 4 to further expand on God’s gift that is credited to us as righteousness.  So, let’s kick off this Friday edition with a lesson on God’s spiritual debts and credits.