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.

Among the many tools available to those who design choice environments, few are as quietly powerful as the default option, the alternative that ①takes effect automatically unless a person actively selects something else. Because changing a default requires deliberate effort, many individuals simply accept whatever arrangement has been preselected for them, regardless of whether that arrangement actually ②serve their interests best. This tendency has been documented across a remarkably wide range of contexts. Countries that automatically enroll citizens in organ donation programs, requiring an explicit request to opt out, consistently report far higher donor registration rates than countries that require citizens ③to actively opt in. Employers who automatically enroll new hires in retirement savings plans likewise see participation rates ④climb dramatically compared with employers who leave enrollment entirely voluntary. What makes default options so influential is not merely convenience; a default also functions as an implicit signal about what is considered normal or recommended, subtly ⑤shaping perceptions even among individuals who believe themselves to be deciding independently.

Economists have long debated whether prosperity and environmental quality are fundamentally opposed, or whether the relationship between them ①changes shape as an economy matures. The Environmental Kuznets Curve, a hypothesis ②borrowed from earlier theories of income inequality, proposes that pollution initially rises alongside economic growth before eventually declining once a society crosses a certain threshold of wealth. In its early stages, industrializing nations prioritize output over conservation, ③treats clean air and water as expendable costs of development to be addressed later. Beyond a certain point, however, rising incomes generate both the technological capacity and the political will ④to demand stricter regulation, so degradation begins to reverse even as production keeps expanding. Some scholars regard this trajectory as a reassuring paradox, suggesting that the very growth ⑤blamed for ecological harm may eventually finance its own repair. Critics, by contrast, argue that the curve rests on a narrow selection of pollutants that happen to decline with wealth, while ignoring greenhouse gases and resource depletion, which show no comparable tendency to fall.

Individuals rarely evaluate their own lives in ①isolation; instead, they measure their achievements, possessions, and status against a reference group, a set of people they use as a standard for comparison. A struggling artist may judge success not against neighbors but against celebrated painters in art history, a comparison that can inspire ambition or, just as easily, ②breed persistent dissatisfaction. Sociologists distinguish between normative reference groups, which shape a person's values and behavior, and comparative reference groups, which merely provide a ③benchmark for self-assessment. Robert Merton showed that soldiers who compared their promotion chances to peers within their own slow-moving unit often felt more satisfied than soldiers in units with faster promotion rates, because the latter could see colleagues advancing while they themselves ④surpassed them. This counterintuitive finding demonstrates that satisfaction depends less on objective circumstances than on the group against which those circumstances are ⑤measured.

Imagine watching a fair coin land on heads five times in a row and feeling an increasingly strong intuition that the next flip is somehow due to produce tails. This intuition, though psychologically ①compelling, rests on a basic misunderstanding of probability, since each flip of a fair coin remains entirely ②independent of every flip that came before it. The coin possesses no memory of its previous outcomes, and its probability of landing on tails on the sixth flip stays ③fixed at fifty percent regardless of how many heads preceded it. Casinos have long profited from this misconception, watching gamblers place larger bets after a losing streak simply because they ④mistakenly believe that a win has become statistically overdue. Economists have even documented the same error among trained professionals, including loan officers who grow more likely to approve a risky application simply because they recently rejected several applications ⑤sporadically.

When people look back on a multi-day journey, they ①rarely recall every hour with equal clarity; instead, memory tends to compress the entire experience into just a few representative moments. Psychologists have found that two points carry ②disproportionate weight in this process: the single moment when emotion, whether joy or discomfort, reached its highest intensity, and whatever happened right before the experience concluded. Consider two hikers who complete an identical five-day trek. The first finishes with a ③grueling, rain-soaked final climb, while the second enjoys a calm, scenic descent on the last afternoon despite having endured an equally difficult ascent earlier in the trip. Even though both hikers faced comparable hardship overall, the second is far ④less likely to remember the journey fondly, simply because the trip ended pleasantly. This pattern reveals that overall satisfaction is not calculated as an average of every experienced moment; rather, it is shaped disproportionately by whichever moments felt most ⑤intense and by however the experience happened to end.

Dual coding theory, first proposed to explain why certain kinds of information are remembered more readily than others, holds that the mind processes verbal and visual material through two partially independent ① channels rather than a single unified system. According to this account, words and other linguistic symbols are encoded primarily through a verbal channel that represents meaning in a concrete ②, sequential form, while pictures and concrete objects are encoded through an imagery channel that preserves spatial and perceptual detail. When information engages both channels simultaneously, as when a textbook pairs a written explanation with an accompanying diagram, the resulting memory trace benefits from two separate, mutually reinforcing ③ pathways of retrieval rather than just one. This redundancy explains the well-documented picture superiority ④ effect, whereby concrete, easily visualized words tend to be recalled more accurately than abstract terms that resist mental imagery. Consequently, dual coding theory has profound implications for instructional design, suggesting that combining carefully chosen visuals with concise verbal explanations can strengthen ⑤ students' long-term retention of complex material.

As cities have expanded across landscapes once covered with absorbent soil, impervious surfaces have turned stormwater from a resource that recharges groundwater into a hazard that floods streets and carries pollutants into waterways. Green infrastructure, which mimics the hydrological functions that natural landscapes once performed, offers planners _______________. Rain gardens, shallow depressions planted with deep-rooted vegetation, are designed to capture runoff from rooftops, allowing it to filter slowly through soil before reaching underground aquifers. Permeable pavement, made of porous materials that let water pass directly through, serves a similar purpose along sidewalks, where asphalt would remain impenetrable. For example, cities that replaced pavement with permeable alternatives have reported notable reductions in flooding during storms that once overwhelmed sewers. However, engineers caution that green infrastructure cannot entirely replace conventional pipes in dense cores, where heavy runoff still requires structural reinforcement. Consequently, municipalities now regard green and gray infrastructure as complementary systems, each compensating for the other's limitations.

When a resource is shared among many users, none of whom bears the full cost of its depletion, each individual is tempted to extract as much value as possible before others do the same. (A) This dynamic, famously labeled the tragedy of the commons, describes how shared pastures and fisheries can be degraded even when every participant privately understands the danger of overuse. (B) A single herder who adds one more animal to a communal pasture gains the entire benefit of that addition, whereas the resulting damage to the grass is shared among other herders who depend on the land. Because self-interest offers no incentive to restrain consumption unilaterally, the resource tends to be exhausted long before any user intends such an outcome. (C) For decades, economists assumed that only two remedies existed: strict regulation or the conversion of shared resources into private property. Elinor Ostrom challenged this assumption, however, by documenting communities that had sustainably managed fisheries and forests for generations through locally devised rules and mutual monitoring rather than external control.

Traditional industrial systems have relied on a linear model of production, in which raw materials are extracted, transformed into goods, and eventually discarded as waste. This approach treats natural resources as if unlimited and disposal as if costless. (A) Because such practices lessen dependence on finite raw materials, they reduce the environmental damage caused by mining. Consequently, the circular economy is increasingly regarded as a viable economic strategy that conserves resources for future generations. (B) A circular economy proposes an alternative framework in which materials are kept in continuous use through reuse, repair, and recycling, thereby reducing the extraction of virgin resources. Central to this model is the notion that waste, rather than being an inevitable byproduct, can be redesigned as a resource for another process, much as fallen leaves nourish the trees that shed them. (C) For example, manufacturers design products so that components can be disassembled and reused in new items once their original function ends. Some companies also lease equipment instead of selling it outright, retaining responsibility for refurbishment.