영어 모의고사 (자동 편성)

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.

Social mobility refers to the movement of individuals or families between different positions within a society's system of stratification, whether upward, downward, or sideways. Sociologists distinguish intragenerational mobility, changes within a single person's lifetime, from intergenerational mobility, differences between the social position of parents and their children. A society is often judged by how much intergenerational mobility it ①permits, since high mobility suggests that outcomes depend more on effort and ability than on the ②accident of birth. Structural mobility, caused by large-scale economic shifts such as the growth of new industries, must be distinguished from individual mobility, which results from a single person's particular choices. Research across many nations has found that education functions as the primary channel of upward mobility, yet access to quality education is itself ③evenly distributed, meaning the very mechanism meant to promote ④fairness can end up ⑤reproducing the inequality it was designed to overcome.

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, ①tamper-resistant ledger rather than through a bank or government agency. In theory, this design distributes power away from any single institution and toward the network as a whole. In practice, however, a small number of large players have come to ②dominate many blockchain networks, controlling enough computing power or currency to influence outcomes that were supposed to be decided collectively. Critics note a further irony: when something goes wrong, such as a hacked exchange or a lost password, there is often ③ample institutional support to appeal to, since the entire system was designed precisely to eliminate that kind of central authority. Whether decentralization can ④survive this concentration of power remains one of the technology's most ⑤unresolved questions.

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. 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 ①increased 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 proved more ②ineffective 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 to write down a concrete plan for the following week were considerably more likely to follow through than those who received only ③general advice. 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, often at a fraction of the cost required by traditional programs involving substantial financial incentives or extensive ④enforcement. This accumulated evidence has encouraged many governments to establish dedicated units tasked with applying behavioral insights ⑤systematically to policy problems across an increasingly broad range of domains.

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

Many households save far less for retirement than conventional financial advice would recommend. Some economists have proposed a savings program in which employees commit today to allocating a portion of their future salary increases toward retirement savings, rather than being asked to reduce their current take-home pay immediately. Field trials of such programs have reported substantial increases in average savings rates. This approach demonstrates that savings policy grounded in realistic assumptions about human psychology can prove considerably more ___________ than policy grounded in the assumption that individuals will always act in strict accordance with their own long-term rational interests.

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.

The discovery of CRISPR gene-editing technology gave scientists a tool precise enough to correct a single mistaken letter in the human genome. Yet editing a gene in a sperm, egg, or early embryo does not simply change one patient; it alters the genetic code passed down to every future generation. Scientific organizations around the world have therefore drawn a careful line, permitting gene editing to treat disease in existing patients while banning any edit that would be inherited by their descendants. Critics worry, however, that _______________.

The scarcity effect operates with particular force when a deadline, rather than a fixed quantity, defines the limitation. (A) A countdown timer displayed beside an online offer, for instance, creates a constant visual reminder that the opportunity to purchase is steadily disappearing, prompting many shoppers to decide before they have fully considered the purchase. (B) Because the clock continues ticking regardless of the shopper's readiness, the pressure to act quickly can override the more deliberate evaluation that a purchase might otherwise receive. (C) Retailers have accordingly found that adding an explicit deadline, even an artificial one that resets shortly afterward, reliably increases the speed and frequency of purchase decisions.

Military researchers have developed weapons systems capable of identifying and engaging targets without a human pressing the final button. (A) Human rights organizations counter that removing a person from the final decision strips away moral responsibility at the exact moment it matters most. (B) Advocates within defense agencies argue that autonomous systems can react faster than any human operator and may even reduce casualties. (C) Diplomatic negotiations toward an international treaty have repeatedly stalled, partly because military powers disagree on how to define autonomy precisely enough to regulate it.