"The act of faith, the acceptance of the divine self-disclosure, is based on intellectually grasped evidences, but it remains an act of will, and it is effected by grace. By reason we can see clearly that we ought to believe, that the evidence is adequate, but it is by the will accepting grace that we desire to believe. This is why the proud person will not believe: he does not want God to be God over him. He does not want the entire gospel to be true. He does not accept that the Church’s moral teaching will regulate his lifestyle. He chooses not to make his will correspond to what his intellect sees."
-Thomas Dubay in Faith and Certitude.