영어 모의고사 (자동 편성)

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.

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.

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 ①arbitrary that number may be. This phenomenon exerts a ②disproportionate influence on price perception precisely because initial figures function as a kind of cognitive gravity that subsequent estimates struggle to escape. 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 ③bargain, regardless of whether $150 actually reflects the jacket's true worth. Retailers, well aware of this bias, frequently display a ④deflated "original price" beside a discounted one, not because the higher figure is meaningful, but because it recalibrates customers' expectations. Even professionals are not immune: negotiators who open with an extreme initial offer often secure more ⑤favorable final terms than those who begin with a moderate one.

When engineers design the software that controls a self-driving car, they face a question philosophers have debated for decades: should a crashing vehicle protect its own passenger, or minimize total harm even at the passenger's expense? Surveys reveal an uncomfortable contradiction: most people say a car should be programmed to save the greater number of lives, yet the same people admit they would never buy a vehicle designed to sacrifice its own owner. This suggests that _______________. Manufacturers, regulators, and philosophers must instead agree on transparent rules before autonomous vehicles are allowed to make such decisions.

People often recognize, in calm reflection, that their future selves will be tempted to abandon a goal they currently value. Rather than relying solely on willpower at the critical moment, they may choose to restrict their own future options in advance, a strategy known as precommitment. (A) What unites these examples is a simple insight: because future desires cannot always be trusted, the wisest moment to act may be now, while judgment remains clear and temptation has not yet taken hold. (B) By making certain choices costly, inconvenient, or impossible to reverse, individuals can protect a long-term goal from a short-term impulse that has not yet arisen. (C) A person hoping to save money might lock funds into an account that penalizes early withdrawal, removing the very temptation that would otherwise be difficult to resist. Similarly, someone determined to finish a project might publicly announce a deadline, transforming private intentions into a commitment that carries social consequences if broken.

As more schools shift toward digital textbooks and online assignments, a student without reliable internet access at home faces a disadvantage that has little to do with talent or effort. (A) That assumption is increasingly being reconsidered, particularly as more essential services, from job applications to medical appointments, move online by default. (B) Some policymakers initially treated internet access as a convenience, comparable to cable television, rather than as infrastructure essential to modern life. (C) Closing this divide will require more than simply distributing devices; it will demand sustained investment in the physical networks that carry information into every home.

The influence of the status quo bias extends well beyond personal finance into the design of public policy itself. (A) Consequently, policymakers who wish to encourage socially beneficial behavior, such as organ donation or energy conservation, have increasingly turned to adjusting default settings rather than relying solely on persuasion or financial incentives. (B) Countries that changed their organ donation systems from opt-in to opt-out, for example, observed dramatic increases in the proportion of citizens registered as donors, without any change in the underlying laws governing consent. (C) This outcome demonstrates that the default option itself functions as an implicit recommendation, one that citizens are reluctant to override even when doing so would take only a moment.

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

Ironically, the more confident these investors become, the less likely they are to seek out disconfirming evidence at all. Confirmation bias exerts a particularly strong influence in financial markets, where uncertainty leaves considerable room for interpretation. ( ① ) An investor convinced that a certain stock is undervalued will often read every piece of ambiguous news as further proof of that belief. ( ② ) Positive earnings are taken as confirmation of the stock's hidden potential, while disappointing earnings are dismissed as a temporary anomaly rather than a genuine warning sign. ( ③ ) This selective interpretation allows the investor's initial conviction to grow stronger with each new piece of information, regardless of whether that information actually supports the belief. ( ④ ) Financial advisors therefore recommend that investors deliberately seek out opinions that challenge their existing positions before making major decisions. ( ⑤ ) Only by actively exposing oneself to disconfirming evidence can one guard against the self-reinforcing cycle that confirmation bias tends to produce.

In other words, no single app may intend to expose such sensitive information, but the combination of many small pieces can. Every time a smartphone connects to a cell tower or a Wi-Fi network, it quietly records a data point that can later be pieced together into a detailed map of where its owner has been. ( ① ) Most users agree to this tracking without reading the fine print, assuming that a single company's database poses little threat. ( ② ) The real danger, however, emerges when location data from multiple sources is combined. ( ③ ) A pattern that reveals a person's home, workplace, and daily route can expose far more than any single app ever intended to share, including medical visits or private relationships. ( ④ ) Companies often argue that anonymized data cannot be traced back to individuals, yet researchers have repeatedly shown otherwise. ( ⑤ )