영어 모의고사 (자동 편성)

Standard economic theory assumes that money is fungible, meaning that a dollar earned as salary is functionally identical to a dollar received as a tax refund or won in a lottery. In practice, however, people routinely sort their finances into separate mental accounts, ①treating money differently depending on its source or intended purpose, a process economists call mental accounting. A household that would never dip into its retirement savings to pay for a vacation might nonetheless spend an unexpected bonus on that very trip without hesitation, even though both sums ②are, in strictly financial terms, equally available for either purpose. This compartmentalization can produce decisions that appear inconsistent when viewed through a purely rational lens: the same individual who diligently saves a portion of every paycheck may simultaneously ③carrying high-interest credit card debt, effectively paying more to borrow than they earn on their savings. Mental accounting is not always harmful, however; by assigning specific categories to specific funds, individuals can also impose useful discipline on their spending, ④preventing money earmarked for essential needs from being diverted toward impulsive purchases. The practice thus reveals that financial behavior is guided less by pure arithmetic than by psychological categories that individuals ⑤impose on money's origin and purpose.

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.

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 not how many times a person rehearses material but how deeply that material is processed during encoding. ①Shallow 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 ②vulnerable 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 ③fragile. 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 ④comprehension rather than ⑤mechanical repetition, since durable memory depends on the depth, not the frequency, of cognitive engagement.

Cities are frequently several degrees warmer than the surrounding countryside, a phenomenon known as the urban heat island effect, which intensifies in summer and threatens public health. This disparity arises largely because asphalt and concrete absorb solar radiation during the day and slowly release it as heat throughout the night, preventing urban areas from cooling down. Furthermore, the scarcity of vegetation in densely built areas removes a natural cooling mechanism, since plants lower temperatures by evaporating water from their leaves. To address this problem, urban planners _______________. One widely used solution involves reflective "cool" roofing engineered to reflect more sunlight than dark rooftops absorb. Another strategy, green infrastructure, incorporates rooftop gardens and tree-lined streets that provide shade while releasing moisture. In contrast, some cities have pursued permeable pavements that let water seep through and evaporate, cooling nearby surfaces. Collectively, these strategies show that reducing urban heat depends on combining approaches suited to a city's geography.

Millions of people now wear devices that continuously track their heart rate, sleep patterns, and daily activity. Users generally assume this information belongs to them, since it is drawn directly from their own bodies. 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. Advocates for reform argue that biological data deserves a category of protection stronger than ordinary consumer information, precisely because _______________.

Generative AI systems learn to write, draw, and compose by studying enormous collections of existing human work. Supporters argue that this resembles how a human student learns by studying the masters. Critics respond that the comparison breaks down at scale: _______________. Courts around the world are now being asked to decide whether training an algorithm on copyrighted material counts as fair use or as infringement.

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 _______________.

Metacognition, broadly defined as the capacity to monitor and evaluate one's own cognitive processes, is often treated as a reliable guide to what we actually know, yet a growing body of evidence suggests that the correspondence between subjective confidence and objective accuracy is far weaker than intuition would suggest. (A) This gap between perceived and actual mastery, sometimes labeled the illusion of knowing, has practical consequences for education, since students who trust their inflated self-assessments are less likely to seek out the more effortful, retrieval-based strategies that would otherwise consolidate their learning. (B) Because rereading familiar material tends to feel effortless, learners frequently mistake that ease of processing for durable comprehension, a misattribution that can lead them to abandon further study prematurely. (C) Individuals routinely overestimate how thoroughly they have understood a passage of text immediately after reading it, a phenomenon partly attributable to the fluency with which the material was processed rather than to any genuine grasp of its underlying structure.

Because no alternative is ever removed, defenders insist that the intervention remains fully compatible with individual liberty. One of the most frequently cited nudge programs involves the redesign of cafeteria layouts to encourage healthier eating among students. ( ① ) Rather than banning unhealthy snacks outright, administrators simply relocate them to less convenient shelves while placing fruit and vegetables within easy reach. ( ② ) Students remain completely free to seek out the relocated items if they wish to do so. ( ③ ) Data collected across numerous schools show that this modest rearrangement increases the selection of healthier options by a meaningful margin, without any accompanying complaints about restricted choice. ( ④ ) Skeptics nonetheless point out that the very effectiveness of such nudges depends on exploiting the same mental shortcuts, such as convenience and visibility, that lead people to make less healthy choices in the first place. ( ⑤ ) Whether this exploitation is ethically troubling or simply a pragmatic use of known psychological tendencies remains a matter of ongoing disagreement.

This reveals an uncomfortable truth about the underlying business model itself. Social media platforms rarely show users a neutral stream of information. ( ① ) Instead, recommendation algorithms are optimized to maximize engagement, and content that provokes strong emotion tends to hold attention longer than balanced reporting ever could. ( ② ) Researchers describe this as a distorted mirror: the platform reflects not society as it truly is, but a version shaped by whatever keeps people scrolling. ( ③ ) Some platforms have experimented with reducing the visibility of outrage-driven content. ( ④ ) Yet these experiments consistently saw user engagement drop. ( ⑤ )