and:

"Obviously, this has something to do with baptism, so what is baptism to Luther? Baptism is the moment at which a person receives faith from God (Gonzales, p. 64). This is the cornerstone of the dispute between Luther and the anabaptists: The anabaptists insisted that one must have faith in order to be baptized, while Luther insisted that one needed to have baptism in order to have faith! [It should be noted that baptism, for Luther, did not necessarily have to be by water, but could also simply be performed through the Holy Spirit.] Luther viewed the anabaptist position - fairly or not - as being one in which we must rely on our fallen reason to give us faith so that we can be baptized, making it the work of fallen human beings. True baptism, Luther would argue, is an act of God that gives us faith. The crucial distinction is between fallen reason which cannot understand God - and, yes, even argues against the God revealed on the cross and seeks God instead in the theology of glory - and reason undergirded by faith. That children have not yet developed fallen reason is, for Luther, no reason to refuse them the baptism that can redeem them and their reason."

From: http://www.faithfullyliberal.com/?p=879