Why do some think a person is converted (express repentance/faith) before they are regenerated & why does it matter?

5.”I often read books.”  わたしは[often] ほん[particle][verb]  

Concisely define the following (a single sentence): Sacrament (v. Ordinance)

Concisely define the following (a single sentence): Ransom Theory of Atonement

Concisely describe each (~3 sentences: what is it; what does it teach; why does it matter?): Paedobaptism

Why do some think a person is converted (express repentance/faith) before they are regenerated & why does it matter?

Concisely define the following (a single sentence): Sacrament (v. Ordinance)

I read books in the library on Saturdays. 

Takeshi goes back home at 4 o’clock.

Concisely define the following (a single sentence): Congregational church government