Calvinists Throw Out Both of These Points

Calvinists believe Christ didn't die for everyone, he only died for a certain group of people. So even the elect in order to be the beneficiaries of Christ's death need to do something to appropriate it. The way Paul says you appropriated it is by faith. By faith expressed in baptism, you identify with Christ's atoning death on your behalf. And then your sins are forgiven and this righteousness of God is imputed or reckoned to you.