A fool accepting note, one being taken in (7)

I believe the answer is:

adoptee

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'one being taken in' is the definition.
(someone adopted)

I don't understand the rest of the clue.

(Other definitions for adoptee that I've seen before include "Child taken on by another family" , "one's taken into the family" , "one who's left home" , "One taken on by new parents" .)

I've seen this clue in The Times.

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