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.

Millions of people now wear devices that continuously track their heart rate, sleep patterns, and daily activity, generating an ①intimate stream of health data that would have been unthinkable to collect just two decades ago. Users generally assume this information belongs to them, since it is drawn directly from their own bodies. In practice, however, the terms of service that few people read often grant the manufacturer ②narrow rights to store, analyze, and even sell anonymized versions of that data to insurers or advertisers. This arrangement becomes especially troubling when health data influences decisions far beyond fitness, such as insurance premiums or employment screening. Advocates for reform argue that biological data deserves a category of protection ③stronger than ordinary consumer information, precisely because it can never truly be ④replaced or reset once it has been ⑤exposed.

City governments increasingly market dense networks of surveillance cameras as a straightforward safety upgrade, promising ①faster emergency response and lower crime rates. In many cases, the technology delivers exactly what it promises, helping investigators identify suspects within hours rather than weeks. Yet the same infrastructure that catches criminals also creates a ②permanent record of where ordinary, law-abiding citizens go about their daily lives. Once a camera network exists, its purpose can quietly ③shrink, from tracking traffic accidents to monitoring political protests, often without new public debate or explicit approval. Civil liberties groups argue that a city should decide how much surveillance it wants before the cameras go up, not years ④afterward when the infrastructure is already impossible to remove. Convenience installed today, in other words, can quietly become ⑤control tomorrow.

Behavioral economists have long observed that people tend to feel the pain of losing something more ①intensely than the pleasure of gaining an equivalent amount, a tendency known as loss aversion. Consider an investor who refuses to sell a declining stock, clinging to the hope that its price will eventually ②recover, even when all available evidence indicates that selling and reinvesting elsewhere would be more rational. Such behavior, though it appears ③rational from a purely economic standpoint, becomes understandable once we recognize that the investor is trying to avoid the sharp discomfort associated with realizing a loss. Similarly, consumers often demand a much ④higher price to give up an item they already own than they would be willing to pay to acquire the same item in the first place. As a result, loss aversion frequently pushes individuals toward decisions that ⑤minimize potential regret over losses rather than toward outcomes that maximize their overall welfare.

Imagine standing at a crowded party where dozens of conversations blend into a wall of noise, yet you ①effortlessly track the words of the friend beside you. Curiously, if someone across the room utters your name, your attention snaps toward that voice almost ②instantly. This happens even though you had not consciously been listening to that conversation at all. This phenomenon, known as the cocktail party effect, reveals that selective attention does not simply block out every unattended sound. Early theorists such as Donald Broadbent proposed that unattended information is ③filtered out entirely before reaching awareness. Yet the fact that a person's own name can break through this filter ④contradicts 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, ⑤ignoring the salience of competing streams of information.

When people estimate the value of an unfamiliar product, they rarely rely on objective calculation alone; instead, they anchor their judgment to whatever numerical reference happens to be presented first, however arbitrary that number may be. A shopper who first sees a jacket listed at $300 before it is marked down to $150 will likely judge the discounted price as an excellent bargain. Such evidence indicates that rational deliberation alone cannot fully explain how value is perceived, since the ___________ ultimately shapes what buyers are willing to pay.

Medieval philosophers told the story of a hungry donkey placed exactly midway between two identical, equally fragrant piles of hay, with no factor whatsoever tipping the balance toward either option. (A) Because the donkey is assumed to be a perfectly rational creature that always chooses the option supported by the strongest reason, it supposedly finds itself with no rational basis for choosing one pile rather than the other. (B) Paralyzed by this perfect symmetry, the donkey starves to death precisely because it can find no reason to move in either direction. (C) Critics of the story point out that real animals, and real humans, rarely face situations of such flawless symmetry, since even a tiny, arbitrary preference is usually enough to break the tie in practice.

Classical economic theory long assumed that decision makers gather all relevant information, calculate every possible outcome, and select the single option that maximizes their benefit. (A) Herbert Simon, however, questioned this assumption, arguing that human beings operate under real constraints of time, knowledge, and mental capacity that make such exhaustive calculation practically impossible. (B) Instead of searching endlessly for the theoretically perfect choice, people typically stop once they find an option that seems good enough to meet their immediate needs, a strategy Simon termed satisficing. (C) A shopper comparing refrigerators, for example, rarely examines every model available; she instead sets a few practical criteria, such as price and size, and selects the first appliance that satisfies them adequately. This approach is not a failure of reasoning but rather a sensible adaptation to a world where information is costly and time is genuinely limited. Consequently, models assuming unlimited rationality often fail to predict actual behavior, while frameworks acknowledging these cognitive boundaries offer a far more realistic account of how ordinary decisions are actually made.

Critics note a further irony: when something goes wrong, such as a hacked exchange or a lost password, there is often no institution left to appeal to. Blockchain technology was originally promoted as a way to remove the need for trusted middlemen, allowing strangers to exchange value directly and verify transactions through a shared, tamper-resistant ledger. ( ① ) In theory, this design distributes power away from any single institution and toward the network as a whole. ( ② ) In practice, however, a small number of large players have come to dominate many blockchain networks. ( ③ ) They control enough computing power or currency to influence outcomes that were supposed to be decided collectively. ( ④ ) Whether decentralization can survive this concentration of power remains one of the technology's most unresolved questions. ( ⑤ )

At that distant point in time, the future increase feels almost costless, since no immediate sacrifice is required. One practical application of hyperbolic discounting involves a savings program that gradually raises an employee's contribution rate over several years. ( ① ) Employees are first asked to commit, well in advance, to increasing their savings rate at a specific future date, often timed to coincide with an expected salary raise. ( ② ) Because the commitment applies only to a point far in the future, the vast majority of employees readily agree to the plan. ( ③ ) When the scheduled date finally arrives, the increase takes effect automatically unless the employee actively opts out, and remarkably few do. ( ④ ) The program succeeds precisely because it separates the decision from the discomfort, asking employees to commit when the cost feels abstract rather than immediate. ( ⑤ ) In this way, a well-timed program can help individuals overcome the very bias that would otherwise prevent them from saving adequately for the future.