'...you can't understand God's Word rightly until you can use it, until you see how it applies to this situation and that...If someone says he understands "You shall not steal" but has no idea to what situations that commandment applies (such as embezzling, cheating on taxes, shoplifting), then he hasn't really understood the biblical command. Understanding Scripture, understanding its meaning, is applying it to situations. A person who understands the Bible is a person who is able to use the Bible to answer his questions, to guide his life...theology is application.'
John Frame, Salvation Belongs to the Lord, p.322.
