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.

Eyewitness testimony ①has long carried weight in courtrooms, yet decades of research reveal that memories of witnessed events are more malleable than most people assume. When individuals who observe an event ②are later exposed to misleading information about what they saw, whether through a leading question or a conversation with another witness, their recollections frequently incorporate details that never occurred, a phenomenon known as the misinformation effect. In one classic paradigm, participants who watched a video of a traffic accident and ③were then asked how fast the cars were going when they smashed into each other reported higher speed estimates and were more likely to falsely recall broken glass than participants asked the identical question using the milder verb hit. Crucially, these distorted memories often feel genuine to the person experiencing them, since the original memory trace ④become blended with the newly introduced information rather than existing as a separate, contradictory record. Such findings ⑤have prompted legal systems to adopt cautious interviewing protocols designed to minimize suggestive questioning during investigations.

Classical economic theory assumes that consumers evaluate every price change in the same ①rational way, weighing marginal benefit against marginal cost regardless of the absolute numbers involved. Behavioral economists, however, have discovered a ②striking exception: the moment a price drops to exactly zero, people's judgment shifts in a way that ordinary discounting cannot explain. In a well-known laboratory experiment, participants chose between two chocolates, one of higher quality priced at a small fee and one of lower quality offered for free. When both prices were merely reduced by the same amount, most participants still ③avoided the higher-quality option. Yet once the cheaper chocolate's price was lowered to zero, the majority ④abruptly switched their preference, even though the price gap between the two options had not actually changed. Researchers explain this reversal by noting that a free item carries no perceived risk of loss, which makes it feel disproportionately ⑤attractive compared with any option that still requires payment, however small.

For much of its history, economic theory treated emotion as a distortion to be eliminated from otherwise rational calculation, an obstacle standing between decision-makers and their true self-interest. More recent research, however, suggests that emotion functions not merely as noise but as an ①integral 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 struggle to make even simple decisions, spending ②excessive time weighing options that most people resolve almost instantly through a felt sense of what seems right. This observation suggests that emotional responses often function as rapid heuristics, allowing individuals to ③bypass exhaustive deliberation by relying on accumulated affective associations built from past experience. At the same time, acute emotional states, particularly fear and excitement, can distort judgment in predictable directions: fear tends to make individuals more risk-averse than their circumstances objectively warrant, while excitement can ④inflate optimism about outcomes that remain, in reality, highly uncertain. Financial regulators have begun incorporating this understanding into policy design, recognizing that decisions made under conditions of acute emotional arousal often depart substantially from the measured judgment that individuals would exhibit under ⑤turbulent circumstances.

German sociologist Georg Simmel argued that the psychological experience of city life differs fundamentally from life in small towns, primarily because urban residents are bombarded with a much greater volume of stimuli than the human nervous system evolved to process. To cope with this constant sensory overload, Simmel proposed, city dwellers develop what he called a blasé attitude, a protective indifference in which individuals mentally blunt their emotional reaction to the surrounding crowd. This detachment, while sometimes criticized as cold or impersonal, also grants urban residents a distinctive freedom: because so few people know or judge them personally, _______________. Simmel therefore viewed anonymity as a double-edged feature of modern life.

Conventional economic wisdom holds that more options are always preferable to fewer. Empirical research on consumer behavior, however, complicates this assumption considerably. When shoppers are presented with an extensive array of choices, they frequently experience heightened anxiety about making the wrong selection and, paradoxically, become less likely to make any purchase or decision at all. Businesses that recognize this dynamic have begun deliberately curating smaller, carefully selected assortments, betting that ___________ can sometimes generate more sales and greater customer satisfaction than abundance.

Financial markets occasionally experience episodes in which asset prices rise far beyond any level that careful analysis of underlying fundamentals could justify, a phenomenon commonly attributed to herd psychology. During such episodes, individual investors often conclude that continuing to buy is reasonable simply because so many others are doing the same, rather than because any independent evaluation supports the purchase. Understanding market bubbles thus requires looking beyond conventional economic fundamentals toward the ___________ that binds individual investors into a single, momentum-driven crowd.

주어진 문장: This apparent immunity to forgetting seemed to set flashbulb memories apart from every other category of recollection. When people recall precisely where they were and what they were doing at the moment they learned of some momentous public event, the resulting memory often feels extraordinarily vivid, as though it had been etched into the mind with photographic precision; researchers have termed such recollections flashbulb memories. ( ① ) Proponents of this concept once argued that the emotional intensity and surprise accompanying such events trigger a distinct neural mechanism that preserves details with unusual fidelity, effectively exempting them from the gradual decay that afflicts ordinary memories. ( ② ) Subsequent longitudinal studies, however, have complicated this picture considerably: when researchers compared accounts gathered within days of an event to accounts gathered years later, they discovered that details had frequently been altered, omitted, or even fabricated, ( ③ ) even though the individuals reporting them expressed unwavering confidence in their accuracy. ( ④ ) This persistent mismatch between subjective certainty and objective consistency implies that flashbulb memories, far from being flawless recordings, are reconstructed narratives shaped by rehearsal, media exposure, and the passage of time. ( ⑤ )

주어진 문장: In other words, memory is not a fixed archive but an ever-changing record that is rewritten each time it is accessed. For much of the twentieth century, memory researchers assumed that once a memory had been consolidated—transformed from a fragile, short-term trace into a stable, long-term representation—it remained essentially fixed, immune to further modification unless the underlying neural circuitry was physically damaged. ( ① ) This assumption, however, was overturned by a body of research demonstrating that the act of retrieval itself can destabilize a previously consolidated memory, rendering it temporarily susceptible to alteration before it is, in a sense, filed away again. ( ② ) During this narrow window, which typically lasts only a few hours, the memory can be strengthened, weakened, or even subtly distorted by new information encountered in the interim, after which it must undergo a second round of stabilization, a process now widely referred to as reconsolidation. ( ③ ) Consequently, what we experience as a stable recollection may actually be a continuously revised construction, ( ④ ) reshaped every time it is summoned into conscious awareness and returned to storage. ( ⑤ )

Whether this asymmetry of influence should be celebrated as protective or condemned as paternalistic remains a genuinely open question. Consider a nudge designed to help elderly patients adhere to complex medication schedules by defaulting them into automatic pharmacy refills and reminder calls. ( ① ) Advocates point out that many elderly patients struggle to manage complicated schedules independently, and that a well-designed default can meaningfully improve health outcomes without removing any patient's ability to opt out. ( ② ) Skeptics respond that elderly patients may be less likely than younger populations to notice that a default has been set on their behalf, let alone to exercise the option of opting out even when they might prefer to. ( ③ ) Both sides agree that the intervention influences behavior more powerfully among vulnerable patients than it would among a more attentive population. ( ④ ) What they dispute is not the existence of this heightened influence but its proper ethical interpretation. ( ⑤ ) Ultimately, resolving this disagreement requires weighing the genuine health benefits of the program against the diminished practical capacity of some patients to resist it.