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What does "having assumed the nature of fallen man" means?

This quotation is taken from the encyclical Casti Connubii in which Pius XI writes that "Christ Our Lord, Son of the Eternal Father, having assumed the nature of fallen man...". On the surface we might be tempted to think that the Holy Father indicates that the nature of Christ is a fallen nature; that is Christ was born under the penalty of Sin.
The key to a proper understanding of this sentence is to consider the meaning of the word "assumed".  If a son has a $10,000 debt and if his father assumes the debt, it does not imply that the father was in debt before or that he is incapable of honoring the debt; it merely means that the father will take care of the payment instead of the son.
Therefore when Christ assumed our fallen nature, he became a man in the full sense of the world sinless and spotless but assumed our fallen nature by paying the price on the Cross.

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