영어 모의고사 (자동 편성)

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.

Over the past two decades, insights drawn from behavioral economics have moved beyond academic journals and into the machinery of government itself, ①reshaping how numerous public programs are designed and implemented. Tax authorities in several countries, for example, discovered that simply informing citizens how many of their neighbors had already paid overdue taxes on time substantially ②increased subsequent compliance rates, outperforming letters that merely threatened legal penalties for continued nonpayment. Public health agencies have applied similar principles to encourage preventive care, finding that appointment reminders phrased to emphasize the personal cost of a missed visit ③proved more effective than neutral reminders listing only the date and time. Employment offices redesigned job-seeking assistance programs around specific, actionable steps rather than general encouragement, discovering that participants who were asked ④to write down a concrete plan for the following week were considerably more likely to follow through than those who received only general advice. What unites these disparate interventions ⑤are a shared recognition that small, carefully tested adjustments to how choices are presented can produce measurable improvements in outcomes.

Factories that once employed hundreds of workers on an assembly line now run with a fraction of that staff, as robotic arms handle tasks ①that used to require human hands. Economists have long debated whether this shift destroys jobs or simply ②transforms them. Historical evidence offers some comfort: previous waves of automation eventually created new categories of work that no one ③had predicted. However, critics point out that earlier transitions unfolded over generations, ④given workers time to retrain, whereas today's robots are being deployed at a pace that leaves little room for adjustment. For this reason, many economists argue that the real challenge is not the robots themselves, but the speed at which society ⑤is expected to adapt to them.

Every time a smartphone connects to a cell tower or a Wi-Fi network, it ①quietly records a data point that can later be pieced together into a detailed map of where its owner has been. Most users agree to this tracking without reading the fine print, assuming that a single company's database poses ②little threat. The real danger, however, emerges when location data from multiple sources is combined. A pattern that reveals a person's home, workplace, and daily route can ③expose far more than any single app ever intended to share. Companies often argue that anonymized data cannot be traced back to individuals, yet researchers have ④repeatedly shown that a handful of location points is enough to identify a specific person with striking accuracy. As a result, privacy experts increasingly insist that location data deserves ⑤minimal legal protection, similar to that of medical records.

A few years ago, spotting a manipulated video required a trained eye and ①specialized software. Today, freely available applications allow almost anyone to swap a face or fabricate a voice ②convincingly enough to fool casual viewers within minutes. This shift has quietly ③reinforced one of the oldest assumptions in human communication: that seeing and hearing something is a reasonably reliable way to confirm it happened. Journalists now face the burden of verifying footage that once would have been accepted as ④self-evident proof. Perhaps more troubling than any single fake video is the broader effect on public trust, in which genuine footage can be ⑤dismissed as fabricated simply because deepfakes exist.

Imagine a teleportation device that scans every atom in your body, transmits that information to a distant station, and reconstructs an exact physical duplicate there, while destroying the original body in the process. From the traveler's point of view, stepping into the machine and stepping out on the other side would feel utterly seamless, complete with continuous memories. Philosophers, however, are troubled by a version of the same device that malfunctions: instead of destroying the original, it leaves the original body intact while still creating a perfect duplicate elsewhere. Now two people exist, each with identical memories and an equally strong claim to being the original traveler, and there is no principled way to say that one of them is the real continuation of the person who entered the machine. This malfunction reveals that _______________.

For decades, memory researchers assumed that repetition alone determined how well information would be retained, an assumption that an influential theory proposed by Craik and Lockhart eventually overturned. According to their framework, what matters most is _______________. Shallow processing, which involves attending merely to superficial features such as the shape of letters or the sound of a word, produces memory traces that fade quickly and remain vulnerable to interference. Elaborative processing, by contrast, requires connecting new information to existing knowledge, generating meaningful associations, and analyzing semantic content, thereby producing traces that are considerably more durable. Consequently, a student who merely repeats a definition aloud without considering its implications is less likely to retain it than one who relates the concept to a personal example. This distinction reshaped educational practice, encouraging teachers to design tasks that demand comprehension rather than mechanical repetition, since durable memory depends on the depth, not the frequency, of cognitive engagement.

Yet this reluctance to accept a small certain loss often leads to a much larger loss later, when the declining trend continues unabated. Loss aversion strongly influences how investors manage their portfolios during periods of market decline. ( ① ) When the value of a stock begins to fall, many investors postpone selling, hoping that the price will rebound to its original level. ( ② ) This tendency is closely tied to the psychological discomfort of converting an unrealized loss into a realized one, since selling forces the investor to formally acknowledge the loss. ( ③ ) Research on trading behavior consistently shows that investors hold declining stocks for longer periods than rising ones, a pattern that runs counter to the basic principle of cutting losses early. ( ④ ) Financial advisors therefore encourage clients to set predetermined selling thresholds in advance, before emotional attachment to a particular price can distort their judgment. ( ⑤ ) By committing to a rule beforehand, investors can partially neutralize the emotional bias that loss aversion introduces into decision-making.

Robert Putnam popularized the concept by documenting a decline in civic participation, noting that fewer Americans joined bowling leagues, parent associations, or local clubs even as bowling itself remained popular, a trend he captured in the phrase bowling alone. Economists traditionally measured a community's wealth in terms of factories, income, or infrastructure, yet sociologists increasingly point to a less visible resource: social capital, the networks of trust and reciprocity that allow people to cooperate for mutual benefit. ( ① ) Communities rich in social capital tend to enjoy lower crime and more effective local government, because neighbors who know and trust one another can coordinate informally without relying entirely on formal institutions. ( ② ) However, social capital is not uniformly beneficial. ( ③ ) Tightly bonded networks can also exclude outsiders and reinforce existing inequality. ( ④ ) For this reason, researchers increasingly distinguish between bonding capital, which strengthens ties within a single group, and bridging capital, which connects otherwise separate communities. ( 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.