"Isn't it really the significance of the Atonement in a person's life? Doesn't the Atonement really begin to mean something to a person when he or she is trying to face down the challenges of living, whether they be temptations or limitations?"

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Sometimes we can lose the wood for the trees. Some specific issues dealt with in the book [Saving Calvinism]: the scope of election (who is saved?); the nature of the atonement (do we have to hold to penal substitution if we're Reformed?); the scope of the atonement (for whom did Christ die?); whether we have to hold to some sort of theological determinism (God ordains all that comes to pass).

— Oliver D. Crisp