O — Observation (What does it say?) - Who is speaking? Who is addressed? - What is repeated? What stands out? - What happens before/after (context)?
I — Interpretation (What does it mean?) - What is the author’s main point? - How does the context clarify unclear phrases? - What does this reveal about God and people?
A — Application (What will I do?) - One belief to trust, one sin to confess, one step to practice. - Who will I talk to? When will I act?
Prayer - Thank God, ask for help, and pray your application back to Him.