영어 모의고사 (자동 편성)

Many households save far less for retirement than conventional financial advice would recommend, not necessarily because they lack the resources to do so, but because a combination of procrastination, present bias, and the discomfort of forgoing current consumption repeatedly ①delays 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 allocating a portion of their future salary increases toward retirement savings, rather than being asked to ②increase their current take-home pay immediately. Because the sacrifice applies only to income not yet received, the commitment feels far less ③painful 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, gradually ④increasing 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 remains notably ⑤high.

Psychologists studying human judgment often describe the mind as operating through two distinct systems rather than a single unified process. System 1 works ①quickly and automatically, generating impressions and snap judgments without any noticeable sense of effort. System 2, by contrast, is slow, ②deliberate, and demanding, engaged only when a problem requires careful calculation or conscious reasoning. Most daily decisions are handled almost entirely by System 1, which allows people to function ③efficiently without exhausting their limited mental resources. This efficiency comes at a cost, however, because System 1 relies on simple shortcuts that can produce systematic errors, and System 2 is frequently too ④diligent or too occupied to double-check them. As a result, a judgment often feels most confident precisely at the moment when it has skipped the careful scrutiny that could have caught its own mistake, leaving the thinker ⑤unaware of how easily the impression was formed.

Émile Durkheim insisted that sociology could become a genuine science only if it identified a distinct subject matter that could not be reduced to individual psychology. He termed this subject matter social facts, defined as ways of thinking, feeling, and acting that exist outside any single individual yet exert a coercive influence over that individual's behavior. Language, currency, legal codes, and religious ritual all qualify as social facts, since a person is born into these systems already fully formed and must conform to them regardless of personal preference. Durkheim insisted that social facts should be studied as things, meaning they must be examined empirically through observable patterns such as statistics, rather than _______________.

Among the many tools available to those who design choice environments, few are as quietly powerful as the default option, the alternative that takes 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. Designers of public policy and digital platforms alike have consequently come to recognize that setting a thoughtful default can achieve outcomes that ___________ often struggle to accomplish through persuasion or financial incentive alone.

Modern consumer culture often assumes that expanding the range of available options will automatically make people freer and happier, yet a growing body of research suggests the opposite may sometimes be true. When individuals select from an enormous set of alternatives, satisfaction with the final choice frequently declines rather than rises, even when the chosen item is objectively excellent. Having considered so many possibilities, a person naturally imagines the specific advantages that a different, unchosen option might have offered, and this imagined comparison quietly erodes contentment with what was actually selected. The paradox, therefore, is that _______________.

Traditional economic models predict that a rational individual offered any positive sum of money, however small, should accept it without hesitation. A simple experimental exercise known as the ultimatum game consistently contradicts this prediction: when the proposer offers a division perceived as unfair, the second participant frequently rejects the offer entirely, leaving both parties with nothing. Such evidence challenges the assumption that economic actors pursue only their own material self-interest, demonstrating instead that considerations of ___________ can override the straightforward pursuit of maximum individual gain.

Imagine standing at a crowded party where dozens of conversations blend into a wall of noise, yet you effortlessly track the words of the friend beside you. Curiously, if someone across the room utters your name, your attention snaps toward that voice almost instantly. This happens even though you had not consciously been listening to that conversation at all. (A) This phenomenon, known as the cocktail party effect, reveals that selective attention does not simply block out every unattended sound. (B) Anne Treisman later refined this account, suggesting that unattended channels are merely attenuated rather than eliminated altogether. Especially meaningful stimuli, including one's own name, can still surpass the threshold of conscious recognition. This refinement suggests that attention operates less like a gate and more like a dimmer switch, adjusting the salience of competing streams of information. (C) Early theorists such as Donald Broadbent proposed that unattended information is filtered out entirely before reaching awareness. Yet the fact that a person's own name can break through this filter contradicts such a rigid model.

Prospect theory proposes that the subjective value of money is not a straight line but a curved function, differing sharply from the assumptions of classical economic models. (A) Understanding this curvature allows economists to predict decisions that a simple, linear model of value could never anticipate. (B) This tendency, known as diminishing sensitivity, explains why a shopper barely notices a ten dollar increase on a two thousand dollar purchase, though the same ten dollars would matter enormously as the price of a meal. (C) In the domain of gains, the function bends downward as amounts increase, and a parallel pattern appears among losses, where the curve bends in the opposite direction, yet sensitivity still fades as the amount grows larger.

A liver no longer has to sit inside a human body to be studied closely. (A) Unlike flat cultures grown on a plastic dish, which lose many of the cues that guide normal development, organoids let cells interact in three dimensions much as they would inside the body, yielding tissue that behaves in strikingly realistic ways. (B) This fidelity has made organoids invaluable for testing how a drug affects human tissue before any patient is exposed, and some laboratories have even grown organoids from a single patient's own cells, raising the possibility of trialing a treatment on a miniature copy of that patient's organ. (C) By coaxing stem cells to organize themselves within a nutrient-rich gel, scientists can now grow miniature three-dimensional structures called organoids, which reproduce much of the architecture and function of a real organ.

This is precisely because probability estimates, however precise, fail to address the emotional discomfort that uncertainty itself produces. Financial advisors frequently observe that detailed statistical evidence fails to ease anxious clients' urge to sell during a market downturn, even when the evidence is presented clearly and repeatedly. ( ① ) Clients may intellectually accept the statistics while still feeling a strong urge to sell immediately in order to escape the discomfort of continued uncertainty. ( ② ) Advisors who instead acknowledge the client's fear directly, validating it as a normal response before presenting the data, tend to achieve better outcomes. ( ③ ) This approach treats the emotional response as a legitimate factor to be addressed rather than an irrational obstacle to be argued away. ( ④ ) The most effective financial guidance, in other words, engages both the emotional and analytical dimensions of a decision simultaneously. ( ⑤ ) Ignoring either dimension, evidence suggests, leaves clients more likely to make impulsive decisions they later regret.