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I would say that Jesus' atoning death and resurrection were SUFFICIENT to pay the penalty for the sins of any and every human who has ever lived from eternity past to eternity future, but that salvation is EFFECTUAL (that is, actually realized) only for those humans who rely completely on His atoning death and resurrection (rather than in their own imperfect works and righteousness) to attain it. To me, this is expressed in John 3:16, which says that God so loved the world (that is, all humans) that He gave His only-begotten Son that whosoever believes in Him (a requirement that all COULD satisfy, but that not all -- through their own choosing -- WILL satisfy) should not perish, but have everlasting life.
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