 But while moral virtue is possible even for the pagan, moral virtue is not by itself enough for salvation. Salvation requires not just virtue (the opposite of which is moral vice) but merit (the opposite of which is sin), and merit requires grace, a free gift from God. In short, there is no necessary connection between virtue—moral goodness—and salvation. Ockham repeatedly emphasizes that “God is a debtor to no one”; he does not owe us anything, no matter what we do.