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The excerpt represents the core issue or deciding factor on which you must meditate, and is drawn from Disputation of the Power and Efficacy of Indulgences by Dr. Martin Luther: 19. Again, it seems unproved that they, or at least that all
of them, are certain or assured of their own blessedness,
though we may be quite certain of it.
20. Therefore by "full remission of all penalties" the pope
means not actually "of all," but only of those imposed by
himself.
21. Therefore those preachers of indulgences are in error, who
say that by the pope's indulgences a man is freed from every
penalty, and saved;
22. Whereas he remits to souls in purgatory no penalty which,
according to the canons, they would have had to pay in this
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