영어 모의고사 (자동 편성)

Prospect theory proposes that the subjective value of money is not a straight line but a curved function, ①differing sharply from the assumptions of classical economic models. In the domain of gains, the function bends downward as amounts ②increase, so the psychological difference between earning zero and one hundred dollars feels far greater than between earning one thousand and eleven hundred. A parallel pattern appears among losses, where the curve ③bend in the opposite direction, yet sensitivity still fades as the amount grows larger. This tendency, ④known as diminishing sensitivity, explains why a shopper barely notices a ten dollar increase on a two thousand dollar purchase. Researchers illustrate this curvature with graphs ⑤shaped like an S turned sideways, sloping gently near the center and flattening toward both extremes.

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.

A printer that once produced only plastic prototypes can now deposit living cells layer by layer to build a structure that begins to ①resemble actual tissue. Bioprinting adapts the logic of conventional 3D printing, replacing plastic filament with a ②specialized ink made of living cells suspended in a gel that supports their survival while the shape sets. Printing a flat patch of skin or a simple blood vessel has already moved from laboratory curiosity to early clinical testing, since these tissues are thin enough for nutrients to reach every cell by ③diffusion. Printing a solid organ such as a kidney remains a far greater challenge, because internal cells ④thrive without their own blood supply, and no printer yet exists that can build a network of vessels fast enough to keep them alive. Researchers are therefore focusing on hybrid strategies, printing a rough scaffold and then allowing the tissue to mature and grow its own vasculature over ⑤time.

A liver no longer has to sit inside a human body to be studied ①closely. By coaxing stem cells to organize themselves within a nutrient-rich gel, scientists can now grow ②miniature three-dimensional structures called organoids, which reproduce much of the architecture and function of a real organ despite being no larger than a grain of rice. Unlike flat cultures grown on a plastic dish, which ③preserve many of the cues that guide normal development, organoids let cells interact in three dimensions much as they would inside the body, yielding tissue that behaves in strikingly ④realistic ways. This fidelity has made organoids invaluable for testing how a drug affects human tissue before any patient is exposed, sparing researchers much of the ⑤burden of relying on animal models alone.

Anyone who has ever promised to finish a project "by Friday," only to still be working on it weeks later, has experienced the planning fallacy ①firsthand. This term describes the ②occasional tendency of individuals and organizations to underestimate how long a task will take, how much it will cost, and how many complications will inevitably arise. What makes this bias particularly ③stubborn is that awareness of past failures rarely leads to more accurate predictions; a construction firm that finished its last three projects late will often insist, with genuine confidence, that this next project will be different. Researchers argue that planners focus almost exclusively on the specific steps of the current task while ignoring the ④broader statistical record of similar projects that came before. One proposed remedy, known as reference class forecasting, requires planners to ⑤deliberately consult outcomes from comparable past projects rather than relying solely on their own optimistic intuition.

Over the past two decades, insights drawn from behavioral economics have moved beyond academic journals and into the machinery of government itself, reshaping how numerous public programs are designed and implemented. What unites these disparate interventions is a shared recognition that small, carefully tested adjustments to how choices are presented can produce measurable improvements in outcomes. This accumulated evidence has encouraged many governments to establish dedicated units tasked with applying behavioral insights ___________ policy problems across an increasingly broad range of domains.

A striking proportion of individual investors believe their own stock-picking ability to be above average, a statistical impossibility given that only half of any population can genuinely outperform the rest. This tendency, known as overconfidence bias, leads investors to trade more frequently than a more cautious assessment of their own skill would justify. Paradoxically, then, the very confidence that motivates investors to act decisively often undermines the outcomes they are trying to achieve, since ___________ frequently produces worse results than a more modest, diversified strategy.

In the late nineteenth century, the psychologist Hermann Ebbinghaus undertook a rigorous investigation of forgetting by serving as his own experimental subject. He memorized thousands of meaningless three-letter syllables so that prior knowledge could not skew his results. (A) Ebbinghaus further found that distributing study sessions across several days produced better retention than cramming the same repetition into one sitting. This finding, now central to modern learning theory, implies that revisiting material shortly before it would otherwise be forgotten interrupts the decline of the forgetting curve. (B) After learning each list to perfection, he tested his retention at intervals ranging from twenty minutes to a month later. He recorded how many repetitions were required to relearn the material each time. (C) The resulting curve revealed a consistent pattern. Forgetting proceeds rapidly during the initial hours following learning, then gradually decelerates until the rate of loss becomes almost imperceptible. Roughly half of the acquired information vanished within the first hour alone. Yet whatever survived that initial plunge tended to persist for much longer periods.

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 using thought alone. (A) This prospect raises a philosophical question that medicine alone cannot answer: at what point does the assistance stop being a tool and start reshaping the identity of the person using it? (B) As the technology improves, some developers envision a future in which these interfaces extend beyond restoring lost function toward enhancing healthy minds. (C) Neuroethicists argue that mental privacy may need to be recognized as a fundamental right before this technology becomes widespread.

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.