TCR 571, 580 - reformation, regeneration, and co-operation

TCR 571
There are two states which a person must enter upon and undergo
to pass from being natural to being spiritual.
The first state is called reformation, the second regeneration.
In his first state a person looks from his natural to his spiritual person
and desires to be spiritual;
in the second state he becomes spiritual-natural.
The first state is formed by means of the truths
which must become part of faith,
and these enable him to look towards charity.
The second state is formed by the kinds of good which make up charity,
and from them he enters into the truths of faith.
To put this in other terms,
the first state is one of thought on the part of the understanding,
but the second is one of love on the part of the will.
When this state begins and develops, a mental change takes place;
for there is a turning-point,
following which the love of the will flows into the understanding,
and drives and guides it to think in harmony and in keeping with its love.
In so far therefore as the good of love then plays the leading role,
and the truths of faith take second place,
to that extent he is a spiritual person and a new creature.
Then charity inspires his actions, faith his speech;
he feels the good of charity and perceives the truth of faith.
Then he is in the Lord and in a state of peace,
and so he is regenerated.

TCR 580 [3]
The reason why all can be regenerated and so saved
is that the Lord is present with His Divine good and truth with every person.
This is the source of his life, and of his ability to understand and will,
and of the free will he has in spiritual matters;
no one is without these.
Moreover the means are given.
Christians have the means in the Word,
non-Christians in any religion at all,
if it teaches the existence of God and commandments about good and evil.
From this it follows that everyone can be saved.
Consequently, if a person is not saved,
it is not the Lord who is to blame but the person;
and he is to blame for failing to co-operate.