By Grace Are Ye Saved

Bishop Robert Millet told this experience in the forward of a book he wrote entitled “By Grace Are Ye Saved.”  The topic is repentance.
I’m quoting:
 
some years ago I sat in my office just before sacrament meeting was to start.  A young woman from my ward knocked on the door and said she would like to visit with me for a moment.  I told her we could chat for a bit but that sacrament meeting would be starting soon.  She assured me that this would only take a minute or two.
After we had been seated she said: “Bishop, I need to confess a sin.”
I was startled with the suddenness of the statement and offered the
following: “Well, that could take some time, couldn’t it?  Shall we meet after the block of meetings today?”
She quickly responded: “Oh no! This will just take a second.”
I asked her to go ahead and she proceeded to describe in some detail a very serious moral transgression in which she had been involved.  It was now about one minute before the meetings were to start, so I tried again:
“Why don’t we meet together after Priesthood and Relief society meetings.”
She then staggered me by saying, “Well, I don’t know why we would need to, unless it would be helpful to you, or something.”
I indicated that such a meeting might prove beneficial to both of us and she agreed to return.
Three hours later we sat in my office and I asked her, “How do you feel about what has happened?”
She responded, “Just fine.” I must have shown my perplexity, because she
added: “For a number of hours I felt bad about what happened, but it’s okay now because I’ve repented.”
I couldn’t ask her the question fast enough, “What do you mean when you say that you have repented?”  (She had explained to me earlier that the transgression had taken place on Friday night, and it was now Sunday
afternoon.)
She reached into her purse and pulled out a yellow sheet of paper.
Pointing one by one to various headings that began with R, she said, “I’ve done this, and this, and this and this, and finally I’ve confessed to you.
 I’ve repented.”
“It seems to me that you’ve skipped an R, that your list is missing something,” I said.
A startled but persistent look was in her eyes, and I noted a slight impatience with me as she said, “No, that can’t be. I have everything listed here!”
The R you’re missing,” I responded “is Redeemer.  You have no place for Christ on your list.  I mean, what does Jesus Christ have to do with your transgression?  What does what happened in Gethsemane and on Calvary some two thousand years ago have to do with what happened to you two nights ago?”
She answered: “Jesus died for me.  He died for my sins.”
To almost every question I asked thereafter about the Atonement she gave a perfect answer – at least, a perfectly correct answer.  She had been well trained, and her answers reflected an awareness of the doctrines associated with repentance.  But the answers were all totally cerebral, straight from memory and mind –not from the heart.  She obviously saw not real tie between her own ungodly actions and the infinite actions of a God.  We spent several hours that day and many days thereafter – searching the scriptures, praying together, and counseling over the way back to the straight and narrow path.  She came, in time, to know the correct answers
-           this time by feeling, that is, from the heart.