영어 모의고사 (자동 편성)

Many households save far less for retirement than conventional financial advice would recommend, not necessarily because they ①lacks the resources to do so, but because a combination of procrastination, present bias, and the discomfort of forgoing current consumption repeatedly delays the decision to begin saving. Recognizing this gap between intention and action, some economists have proposed a savings program in which employees commit today to ②allocating a portion of their future salary increases toward retirement savings, rather than being asked to reduce their current take-home pay immediately. Because the sacrifice applies only to income not yet received, the commitment ③feels far less painful than an equivalent reduction in present earnings would, making employees considerably more willing to enroll. Once enrolled, the contribution rate automatically rises with each subsequent raise, ④gradually increasing savings without requiring any further deliberate action from participants. Field trials of such programs have reported substantial increases in average savings rates over several years, alongside participant satisfaction that ⑤remains notably high.

Social media platforms rarely show users a neutral stream of information. Instead, recommendation algorithms ①are optimized to maximize engagement, and content that provokes strong emotion, particularly outrage, tends to hold attention longer than balanced reporting ever could. Over time, users ②exposed to a steady diet of emotionally charged content may come to believe that extreme opinions are far more common than they actually are, simply because those opinions ③dominate their feed. Researchers describe this as a distorted mirror: the platform reflects not society as it truly is, but a version ④shaping by whatever keeps people scrolling. Some platforms have experimented with reducing the visibility of outrage-driven content, only ⑤to see user engagement drop.

Imagine standing at a crowded party where dozens of conversations ①blend into a wall of noise, yet you effortlessly track the words of the friend beside you. Curiously, if someone across the room utters your name, your attention snaps toward that voice almost instantly. This happens even though you ②had not consciously been listening to that conversation at all. This phenomenon, known as the cocktail party effect, reveals that selective attention ③does not simply block out every unattended sound. Early theorists such as Donald Broadbent proposed that unattended information is filtered out entirely before reaching awareness. Yet the fact that a person's own name can break through this filter ④contradict such a rigid model. Anne Treisman later refined this account, suggesting that unattended channels are merely attenuated rather than eliminated altogether. Especially meaningful stimuli, including one's own name, can still surpass the threshold of conscious recognition. This refinement suggests that attention operates less like a gate and more like a dimmer switch, ⑤adjusting the salience of competing streams of information.

Factories that once employed hundreds of workers on an assembly line now run with a ①fraction of that staff, as robotic arms handle tasks that used to require human hands. Economists have long debated whether this shift destroys jobs or simply transforms them. Historical evidence offers some ②comfort: previous waves of automation eventually created new categories of work that no one had predicted. However, critics point out that earlier transitions unfolded over generations, giving workers ③ample time to retrain, whereas today's robots are being deployed at a pace that leaves little room for adjustment. A factory worker displaced this year cannot simply wait for a new industry to emerge decades from now. For this reason, many economists argue that the real ④challenge is not the robots themselves, but the ⑤sluggish speed at which society is expected to adapt to them.

A rational approach to decision-making dictates that only future costs and benefits should influence a choice, since resources already spent cannot be ①recovered regardless of what is decided next. In practice, however, people routinely allow such irrecoverable expenditures, known as sunk costs, to shape their subsequent decisions, a pattern referred to as the sunk cost fallacy. A moviegoer who finds a film thoroughly ②disappointing after the first thirty minutes will often remain in the theater until the credits roll, reasoning that leaving early would somehow waste the money already spent on the ticket. Organizations exhibit the same fallacy on a larger scale: a company that has invested heavily in a failing project frequently ③abandons funding it, arguing that stopping the project now would render the prior investment meaningless. Yet continuing to invest in a venture destined to fail merely adds new losses to old ones, ④compounding the very waste the decision-makers hoped to avoid. Economists therefore urge decision-makers to evaluate each choice based solely on its prospective outcomes, treating past expenditures as ⑤irrelevant to the decision at hand.

Policymakers seeking to improve public welfare without restricting individual freedom have increasingly embraced an approach known as nudging, which alters the environment in which choices are made rather than mandating particular outcomes. A nudge preserves every option that was previously available; it simply arranges those options so that the choice deemed most beneficial becomes easier or more visible than the alternatives. Despite ongoing debate over its ethics, governments across many countries have adopted nudge-based programs, reporting outcomes that are frequently ___________ compared with those achieved through traditional regulation or public information campaigns alone.

Devices that translate brain activity directly into digital commands have moved from laboratory experiments to real medical use. As the technology improves, some developers envision a future in which these interfaces extend beyond restoring lost function toward enhancing healthy minds. This prospect raises a philosophical question: if a device can alter memory, mood, or decision-making, _______________. Neuroethicists argue that mental privacy may need to be recognized as a fundamental right before this technology becomes widespread.

주어진 문장: In simple terms, this process prevents carbon dioxide from ever reaching the atmosphere in the first place. As efforts to curb greenhouse gas emissions intensify, industries unable to eliminate carbon dioxide from their processes have turned to a technology known as carbon capture and storage. ① This technology involves separating carbon dioxide from the exhaust of power plants before it is released into the atmosphere, then transporting the captured gas for underground injection. ② Once injected into porous rock formations, the gas is trapped beneath layers of impermeable rock that prevent it from escaping into the air. Proponents argue that carbon capture and storage functions as a bridge technology, allowing heavy industries to keep operating while more sustainable alternatives are developed. ③ For instance, cement and steel production, both of which release carbon dioxide as an unavoidable byproduct of chemical reactions, are considered prime candidates for this approach. ④ However, critics contend that the technology remains prohibitively expensive and that building pipelines requires investments few companies make voluntarily. ⑤ Despite such concerns, many governments continue funding pilot projects, convinced that this technology will play an indispensable role in reaching emission targets. ① ② ③ ④ ⑤

Yet this reluctance to accept a small certain loss often leads to a much larger loss later, when the declining trend continues unabated. Loss aversion strongly influences how investors manage their portfolios during periods of market decline. ( ① ) When the value of a stock begins to fall, many investors postpone selling, hoping that the price will rebound to its original level. ( ② ) This tendency is closely tied to the psychological discomfort of converting an unrealized loss into a realized one, since selling forces the investor to formally acknowledge the loss. ( ③ ) Research on trading behavior consistently shows that investors hold declining stocks for longer periods than rising ones, a pattern that runs counter to the basic principle of cutting losses early. ( ④ ) Financial advisors therefore encourage clients to set predetermined selling thresholds in advance, before emotional attachment to a particular price can distort their judgment. ( ⑤ ) By committing to a rule beforehand, investors can partially neutralize the emotional bias that loss aversion introduces into decision-making.

Even so, the shift has proven immensely practical, sidestepping the objection that halted so much earlier research. A single fertilized egg eventually gives rise to every cell type in the human body, from neurons to bone, a feat that has fascinated biologists for more than a century. ( ① ) Embryonic stem cells retain much of that original versatility, capable in principle of developing into almost any tissue, which is why researchers have long viewed them as a promising raw material for repairing damaged organs. ( ② ) Because harvesting these cells traditionally required destroying a human embryo, the research provoked ethical objections fierce enough to slow funding and legislation in several countries for years. ( ③ ) A breakthrough arrived when scientists discovered that ordinary adult skin cells could be reprogrammed, through the introduction of a handful of specific genes, into a state resembling embryonic versatility without ever touching an embryo. ( ④ ) These induced pluripotent cells, as they are now called, have not entirely erased the ethical debate. ( ⑤ ) They have opened a path for stem cell research that far more scientists and funding agencies are willing to support.