John Owen, Overcoming Sin and Temptation, 375:
…They have a fresh, vigorous sense of pardoning mercy. According as this is in the soul, so will its love and delight in God, so will its obedience be; as, I say, is the sense of gospel pardon, so will be the life of gospel love.
We need to mentally agree with gospel-doctrine, but if we keep it on the shelf of our mind, we won’t be changed. We’re changed as we continually take our ‘gospel pardon’ in Christ and not only believe it mentally, but embrace it viscerally.