John Piper, Desiring God, Bethlehem Baptist Church, 1996, p. 62.
The native hardness of our hearts makes us unwilling and unable to turn from sin and trust the Savior. Therefore conversion involves a miracle of new birth. Thus new birth precedes and enables faith and repentance. Nevertheless, faith and repentance are our acts. We are accountable for them. By the miracle of new birth, by pure grace, God grants the inclination we need.
John Piper, Desiring God, Bethlehem Baptist Church, 1996, p. 62.