Grace is the greatest and best display of God's goodness. Grace is the source of all God's spiritual blessings. It is by grace that the Gospel is proclaimed. It is by grace that sinners listen and believe and are justified. It is by grace that sinners will one day be glorified.
Grace is the key to salvation.
There is a very important question that we all must ask and answer. That's the only answer to this most important question. Like a bookkeeper He credits to our account the work of Jesus. When you get a credit slip from a bank, or a store, you have money added to your account. God credits to us the work of Jesus on the cross.