This is a really great video explaining in detail where faith comes from. What is a neuter demonstrative pronoun you ask?
8 For by grace you have been saved through faith; and that not of yourselves, it is the gift of God; 9 not as a result of works, so that no one may boast. Ephesians 2:8, 9
“Is faith an ability that all people can exercise freely, or is it a gift given from God?”