e.

Obj. 3: Further, living and lifeless faith are the same species, as
stated above (A. 4). Now lifeless faith is not a virtue, since it is
not connected with the other virtues. Therefore neither is living
faith a virtue.

Obj. 4: Further, the gratuitous graces and the fruits are distinct
from the virtues. But faith is numbered among the gratuitous graces
(1 Cor. 12:9) and likewise among the fruits (Gal. 5:23). Therefore
faith is not a virtue.

_On the contrary,_ Man is justified by the virtues, since "justice
is all virtue," as the Philosopher states (Ethic. v, 1). Now man is
justified by faith according to Rom. 5:1: "Being justified therefore
by faith let us have peace," etc. Therefore faith is a virtue.

_I answer that,_ As shown above, it is by human virtue that human
acts are rendered good; hence, any habit that is always the principle
of a good act, may be called a human virtue. Such a habit is living
faith. For since to believe is an act of the intellect assenting to
the truth at the command of the will, two things are required that
this act may be perfect: one of which is that the intellect should
infallibly tend to its object, which is the true; while the other is
that the will should be infallibly directed to the last end, on
account of which it assents to the true: and both of these are to be
found in the act of living faith. For it belongs to the very essence
of faith that the intellect should ever tend to the true, since
nothing false can be the object of faith, as proved above (Q. 1, A.
3): while the effect of charity, which is the form of faith, is that
the soul ever has its will directed to a good end. Therefore living
faith is a virtue.

On the other hand, lifeless faith is not a virtue, because, though
the act of lifeless faith is duly perfect on the part of the
intellect, it has not its due perfection as regards the will: just as
if temperance be in the concupiscible, without prudence being in the
rational part, temperance is not a virtue, as stated above (I-II, Q.
65, A. 1), because the act of temperance requires both an act of
reason, and an act of the concupiscible faculty, even as the act of
faith requires an act of the will, and an act of the intellect.

Reply Obj. 1: The truth is itself the good of the intellect, since it
is its perfection: and consequently faith has a relation to some good
in so far as it directs the intellect to the true. Furthermore, it
has a relation to the good con