영어 모의고사 (자동 편성)

Consider a village green shared freely by every herder in the community, where each individual may graze as many animals as they wish without ①paying any fee. From the perspective of any single herder, adding one more animal to the shared pasture ②brings a clear personal benefit, since the extra income belongs entirely to that herder alone. The cost of the additional grazing, however, is spread thinly across every herder who uses the green, so no single individual ③bears more than a tiny fraction of the damage. Because this calculation favors adding more animals for every rational herder, the shared pasture is gradually overgrazed until it can no longer ④support any animals at all, harming the very community whose rational members caused the collapse. Philosophers use this scenario to illustrate a troubling gap between what benefits an individual in the short term and what preserves a shared resource in the long term, a gap that voluntary self-restraint alone rarely ⑤closing.

A rational approach to decision-making dictates that only future costs and benefits should influence a choice, since resources already spent ①cannot be recovered regardless of what is decided next. In practice, however, people routinely allow such irrecoverable expenditures, known as sunk costs, ②to shape their subsequent decisions, a pattern referred to as the sunk cost fallacy. A moviegoer who finds a film thoroughly disappointing after the first thirty minutes will often remain in the theater until the credits roll, ③reasoning 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 ④have invested heavily in a failing project frequently continues funding it, arguing that abandoning 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, ⑤compounding the very waste the decision-makers hoped to avoid.

People routinely seek out information that confirms what they already believe while ①overlooking or dismissing evidence that contradicts those beliefs, a pattern known as confirmation bias. This tendency operates not because individuals are deliberately dishonest, but because the mind finds it cognitively less ②taxing to absorb information that fits an existing framework than to reconstruct that framework from scratch. Investors who believe a particular company will succeed, for instance, tend to interpret ambiguous news about that company ③unfavorably, while investors who are skeptical of the same company interpret identical news unfavorably, even though both groups are examining the same underlying facts. Social media platforms can ④intensify this effect by algorithmically presenting users with content similar to what they have previously engaged with. Over time, such selective exposure can harden initial impressions into convictions that feel objectively verified, even though they rest on a systematically ⑤filtered sample of evidence.

Many households save far less for retirement than conventional financial advice would recommend. Some economists have proposed a savings program in which employees commit today to allocating a portion of their future salary increases toward retirement savings, rather than being asked to reduce their current take-home pay immediately. Field trials of such programs have reported substantial increases in average savings rates. This approach demonstrates that savings policy grounded in realistic assumptions about human psychology can prove considerably more ___________ than policy grounded in the assumption that individuals will always act in strict accordance with their own long-term rational interests.

Consider a student who genuinely intends to study for tomorrow's exam yet, when the evening actually arrives, chooses to watch another episode of a favorite show instead, promising herself she will surely study harder next week. This pattern, in which the pull of an immediate pleasure overwhelms the value of a distant benefit, appears again and again across ordinary life, from postponed exercise to delayed savings. People do not necessarily fail to understand that the future reward matters more; rather, _______________. Behavioral economists note that this preference weakens considerably once both options are pushed into the future, which is why planning a diet starting next month feels effortless compared with skipping dessert tonight.

As nudging has moved from academic theory into widespread practice, a persistent ethical question has accompanied its rise: at what point does subtly guiding behavior for someone's own benefit shade into manipulation that undermines their capacity for autonomous choice? This tension suggests that the ethical status of a nudge cannot be evaluated by examining its psychological mechanism alone; instead, it must be judged according to the ___________ of the party who designs it and the outcome that design is intended to produce.

When engineers design the software that controls a self-driving car, they inevitably face a question that philosophers have debated for decades: who should the vehicle protect in an unavoidable crash? (A) This gap between the ideal and the personal choice suggests that ethical programming cannot be settled by public opinion alone. (B) Surveys reveal an uncomfortable contradiction: most people say a car should minimize total harm, yet the same people admit they would never buy a vehicle designed to sacrifice its own owner. (C) Manufacturers, regulators, and philosophers must instead agree on transparent rules before autonomous vehicles are allowed to make such decisions on the road.

Suppose you meet a quiet, gentle man who speaks softly, tends a small garden, and organizes his bookshelf with meticulous care. (A) This judgment, however, ignores a crucial fact: truck drivers vastly outnumber florists in almost every country, which means that, statistically, he is far more likely to belong to the larger group regardless of how well he fits the flower-shop image. (B) Relying on resemblance to a familiar category rather than on underlying numerical proportions, known among researchers as representativeness, leads people to overlook these base rates almost automatically. Even trained professionals, who should know better, often fall into the same trap when a vivid description feels more convincing than plain statistics. Consequently, teaching people to pause and ask how common something actually is, instead of merely how typical it appears, can meaningfully improve the accuracy of everyday predictions and reduce costly errors in judgment. (C) Asked whether he is more likely a florist or a truck driver, most people instinctively choose florist, since his personality matches the stereotype so neatly.

This prospect raises a philosophical question that medicine alone cannot answer. Devices that translate brain activity directly into digital commands have moved from laboratory experiments to real medical use, allowing paralyzed patients to control a robotic arm or type a message using thought alone. ( ① ) As the technology improves, some developers envision a future in which brain-computer interfaces extend beyond restoring lost function toward enhancing healthy minds. ( ② ) They imagine offering faster memory or expanded attention to anyone willing to undergo the procedure. ( ③ ) If a device can alter memory, mood, or decision-making, at what point does the assistance stop being a tool and start reshaping the very identity of the person using it? ( ④ ) Neuroethicists argue that mental privacy may need to be recognized as a fundamental right before this technology becomes widespread. ( ⑤ )

Few of these later buyers, however, possess any independent basis for judging whether the asset's price still bears any relation to its underlying value. A speculative bubble typically begins with a genuine, defensible reason for optimism, such as a promising new technology or an unusually favorable economic environment. ( ① ) Early investors who recognize this genuine opportunity purchase the asset and, as expected, often see its price rise accordingly. ( ② ) As word of these early gains spreads, a second wave of investors enters the market, drawn less by independent analysis than by the simple observation that the price has already climbed. ( ③ ) They are, in effect, purchasing confidence rather than value, trusting that the crowd's continued enthusiasm will sustain or further elevate the price. ( ④ ) This reliance on collective momentum rather than fundamental analysis is precisely what transforms a reasonable initial rally into an unsustainable bubble. ( ⑤ ) When the momentum eventually falters, as it inevitably must, the absence of any solid fundamental foundation leaves the price with nothing to support it.