What does saving faith do?

Not sure that I can keep a discussion going as long as the last one, but here goes. If you had one shot at saying something about “saving faith,” particularly about its effect, what would it be? The reason I ask is that there is only one passage in the NT which brings those two words together. In fact there’s only one adjectival use of the word soterios “saving.” No peeking at a concordance now, but it would be very useful to come up with our answers, then compare them with the Bible’s. I’ll give you a couple of days to think about it.