20. Are all men, then, saved by Christ as they have perished in Adam?

No, only those who by true faith are ingrafted into Him and receive all His benefits. ^[1]

^[1] Jn. 1:12-13; I Cor. 15:22; Ps. 2:12; Rom. 11:20; Heb. 4:2-3; 10:39.

21. What is true faith?

True faith is not only a sure knowledge whereby I hold for truth all that God has revealed to us in His Word,^[1] but also a hearty trust,^[2] which the Holy Ghost^[3] works in me by the Gospel,^[4] that not only to others, but to me also, forgiveness of sins, everlasting righteousness, and salvation are freely given by God,^[5] merely of grace, only for the sake of Christ's merits.^[6]

^[1]Jas. 1:6.; ^[2]Rom. 4:16-18; 5:1. ^[3]II Cor. 4:13; Phil. 1:19, 29. ^[4]Rom. 1:16; 10:17. ^[5]Heb. 11:1-2; Rom. 1:17. ^[6]Eph. 2:7-9; Rom. 3:24-25; Ga. 2:16; *Acts 10:43.  

22. What, then, is necessary for a Christian to believe?

All that is promised us in the Gospel,^[1] which the articles of our catholic, undoubted Christian faith teach us in summary.

^[1]Jn. 20:31; Mt. 28:20. *II Pet. 1:21; *II Tim. 3:15.

23. What are these articles?

I believe in God the Father Almighty, Maker of heaven and earth.

And in Jesus Christ, His only begotten Son, our Lord: who was conceived by the Holy Ghost, born of the virgin Mary, suffered under Pontius Pilate, was crucified, dead, and buried; He descended into hell; the third day He rose from the dead; He ascended into heaven, and sitteth at the right hand of God the Father Almighty; from thence He shall come to judge the living and the dead.

I believe in the Holy Ghost, the Holy Catholic Church, the communion of saints, the forgiveness of sins, the resurrection of the body, and the life everlasting.