영어 모의고사 (자동 편성)

Among the many tools available to those who design choice environments, few are as quietly powerful as the default option, the alternative that ①takes effect automatically unless a person actively selects something else. Because changing a default requires deliberate effort, many individuals simply accept whatever arrangement has been preselected for them, regardless of whether that arrangement actually ②serve their interests best. This tendency has been documented across a remarkably wide range of contexts. Countries that automatically enroll citizens in organ donation programs, requiring an explicit request to opt out, consistently report far higher donor registration rates than countries that require citizens ③to actively opt in. Employers who automatically enroll new hires in retirement savings plans likewise see participation rates ④climb dramatically compared with employers who leave enrollment entirely voluntary. What makes default options so influential is not merely convenience; a default also functions as an implicit signal about what is considered normal or recommended, subtly ⑤shaping perceptions even among individuals who believe themselves to be deciding independently.

Traditional economic models predict that a rational individual offered any positive sum of money, however small, should accept it without hesitation, since even a modest gain is preferable to ①receiving nothing at all. A simple experimental exercise known as the ultimatum game, in which one participant proposes how to split a sum of money and a second participant may either accept or reject the proposed division, consistently ②contradicts this prediction. When the proposer offers a division perceived as unfair, the second participant frequently rejects the offer entirely, leaving both parties with nothing rather than ③accepting an outcome viewed as insulting. This behavior indicates that individuals value fairness as an end in itself, sometimes willingly ④sacrificing material gain to punish perceived exploitation. Neuroscientific investigations complement this finding, revealing that unfair offers ⑤activates brain regions associated with disgust and negative emotion.

For much of its history, economic theory treated emotion as a distortion ①to be eliminated from otherwise rational calculation, an obstacle standing between decision-makers and their true self-interest. More recent research, however, suggests that emotion ②function not merely as noise but as an integral component of sound judgment, one that supplies information conventional reasoning alone cannot readily access. Individuals who, due to specific neurological conditions, lose the capacity to experience emotion while retaining otherwise normal cognitive abilities frequently ③struggle to make even simple decisions, spending excessive time weighing options that most people resolve almost instantly through a felt sense of what seems right. This observation suggests that emotional responses often ④function as rapid heuristics, allowing individuals to bypass exhaustive deliberation by relying on accumulated affective associations built from past experience. Financial regulators have begun incorporating this understanding into policy design, recognizing that decisions made under conditions of acute emotional arousal often ⑤depart substantially from the measured judgment that individuals would exhibit under calmer circumstances.

When engineers design the software that controls a self-driving car, they inevitably face a question that philosophers have debated for ①decades. If a crash becomes unavoidable, should the vehicle protect its own passenger at all costs, or should it be programmed to ②minimize total harm, even if that means steering toward the person inside? Surveys reveal an uncomfortable ③contradiction: most people say a car should be programmed to save the greater number of lives, yet the same people admit they would never buy a vehicle designed to sacrifice its own owner. This gap between the ideal and the personal choice suggests that ethical programming cannot be settled by public opinion alone. Manufacturers, regulators, and philosophers must instead agree on ④transparent rules before autonomous vehicles are ⑤forbidden to make such decisions on the road.

Marketers have long recognized that perceived scarcity can dramatically increase a product's desirability, even when the item's intrinsic qualities remain entirely unchanged. A retailer who labels a product as "limited edition" or displays a countdown timer beside a discounted offer prompts customers to make hurried purchase decisions they might otherwise postpone or reconsider. Consumers who later reflect calmly on such purchases frequently discover that the item's actual usefulness fell well short of the ___________ they experienced at the moment of decision.

As cities have expanded across landscapes once covered with absorbent soil, impervious surfaces have turned stormwater from a resource that recharges groundwater into a hazard that floods streets and carries pollutants into waterways. (A) For example, cities that replaced pavement with permeable alternatives have reported notable reductions in flooding during storms that once overwhelmed sewers. However, engineers caution that green infrastructure cannot entirely replace conventional pipes in dense cores, where heavy runoff still requires structural reinforcement. Consequently, municipalities now regard green and gray infrastructure as complementary systems, each compensating for the other's limitations. (B) Green infrastructure, which mimics the hydrological functions that natural landscapes once performed, offers planners a way to treat the city as a sponge rather than a rigid drainage pipe. (C) Rain gardens, shallow depressions planted with deep-rooted vegetation, are designed to capture runoff from rooftops, allowing it to filter slowly through soil before reaching underground aquifers. Permeable pavement, made of porous materials that let water pass directly through, serves a similar purpose along sidewalks, where asphalt would remain impenetrable.

As more schools shift toward digital textbooks and online assignments, a student without reliable internet access at home faces a disadvantage that has little to do with talent or effort. (A) That assumption is increasingly being reconsidered, particularly as more essential services, from job applications to medical appointments, move online by default. (B) Some policymakers initially treated internet access as a convenience, comparable to cable television, rather than as infrastructure essential to modern life. (C) Closing this divide will require more than simply distributing devices; it will demand sustained investment in the physical networks that carry information into every home.

Traditional industrial systems have relied on a linear model of production, in which raw materials are extracted, transformed into goods, and eventually discarded as waste. This approach treats natural resources as if unlimited and disposal as if costless. (A) Because such practices lessen dependence on finite raw materials, they reduce the environmental damage caused by mining. Consequently, the circular economy is increasingly regarded as a viable economic strategy that conserves resources for future generations. (B) A circular economy proposes an alternative framework in which materials are kept in continuous use through reuse, repair, and recycling, thereby reducing the extraction of virgin resources. Central to this model is the notion that waste, rather than being an inevitable byproduct, can be redesigned as a resource for another process, much as fallen leaves nourish the trees that shed them. (C) For example, manufacturers design products so that components can be disassembled and reused in new items once their original function ends. Some companies also lease equipment instead of selling it outright, retaining responsibility for refurbishment.

Overconfidence bias is not confined to amateur investors; even seasoned financial professionals display strikingly similar patterns. (A) Fund managers surveyed about the accuracy of their own market predictions, for example, consistently rate their forecasts as more reliable than an objective analysis of their historical track record would support. (B) This gap between perceived and actual accuracy suggests that professional training and experience do not automatically immunize individuals against overconfidence. (C) Some researchers argue instead that professionals may be especially susceptible, since repeated exposure to a domain can breed a false sense of mastery over outcomes that remain fundamentally unpredictable.

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.