Problem is SIN - Romans 3:23

“For all have sinned and fall short of the glory of God.” 

Penalty is DEATH - Romans 6:23

“For the wages of sin is death, but the free gift of God is eternal life in Jesus Christ our Lord.” 

Payment is CHRIST - Romans 5:8

“But God demonstrates His own love for us, in that while we were yet sinners, Christ died for us.” 

Process is FAITH - Romans 10:9

“That if you confess with your mouth Jesus as Lord, and believe in your heart that God raised Him from the dead, you will be saved.” 

Promise is LOVE - Romans 8:39

“Nor height, nor depth, nor any other created thing, will be able to separate us from the love of God, which is in Christ Jesus our Lord.”