영어 모의고사 (자동 편성)

Policymakers seeking to improve public welfare without restricting individual freedom have increasingly embraced an approach ①known as nudging, which alters the environment in which choices are made rather than mandating particular outcomes. A nudge preserves every option that ②was previously available; it simply arranges those options so that the choice deemed most beneficial becomes easier or more visible than the alternatives. Placing fruit at eye level in a school cafeteria while keeping dessert accessible but less prominent, for instance, ③do not forbid any student from choosing dessert, yet it measurably shifts consumption patterns toward healthier food. Advocates argue that such interventions ④respect autonomy precisely because no option is removed and no penalty is imposed for choosing differently. Critics, however, contend that even subtle architectural choices exploit predictable cognitive shortcuts, ⑤raising questions about whether influencing behavior through psychological means is meaningfully different from more coercive forms of persuasion.

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.

Financial markets occasionally experience episodes in which asset prices rise far beyond any level that careful analysis of underlying fundamentals could justify, a phenomenon commonly ①attributed to herd psychology. During such episodes, individual investors, observing that prices have already risen substantially, often conclude that continuing to buy is reasonable simply because so many others ②are doing the same, rather than because any independent evaluation supports the purchase. This dynamic can become self-perpetuating: rising prices attract new buyers, whose purchases push prices higher still, thereby ③attracting yet another wave of buyers convinced that the upward trend itself constitutes reliable evidence of underlying value. Historical episodes of speculative excess display a strikingly similar pattern, suggesting that the underlying psychological mechanism ④remain constant even as the specific assets involved change considerably across centuries. Eventually, however, some triggering event, however minor, prompts a portion of investors to reconsider their assumptions, and the resulting wave of selling can ⑤trigger a collapse every bit as rapid and self-reinforcing as the original ascent.

Millions of people now wear devices that continuously track their heart rate, sleep patterns, and daily activity, generating an ① intimate stream of health data that would have been unthinkable to collect just two decades ago. 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 ② narrow rights to store, analyze, and even sell anonymized versions of that data to insurers or advertisers. This arrangement becomes especially troubling when health data influences decisions far beyond fitness, such as insurance premiums or employment screening. Advocates for reform argue that biological data deserves a category of protection ③ stronger than ordinary consumer information, precisely because it can never truly be ④ replaced or reset once it has been ⑤ exposed.

Conventional economic wisdom holds that more options are always preferable to fewer, since a larger set of alternatives ①increases the likelihood that any individual will find one that precisely matches their preferences. When shoppers are presented with an extensive array of choices, they frequently experience heightened anxiety about making the wrong selection and, paradoxically, become ②less likely to make any purchase or decision at all. Furthermore, individuals who do eventually choose from an overwhelming array often report ③higher satisfaction with their selection than those who chose from a modest handful of options, since the sheer number of unexplored alternatives ④fosters lingering doubt about whether a better choice was overlooked. Businesses that recognize this dynamic have begun deliberately ⑤curating smaller, carefully selected assortments, betting that a narrower range of options can sometimes generate more sales and greater customer satisfaction than abundance.

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. Some policymakers initially treated internet access as a convenience, comparable to cable television, rather than as infrastructure essential to modern life. That assumption is increasingly being reconsidered, particularly as _______________. Closing this divide will require more than simply distributing devices.

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.

Sensors buried in the soil now report moisture levels in real time, and automated systems adjust irrigation without a farmer ever walking the rows. For large operations with the capital to invest, these tools have measurably increased yields while reducing water waste. Smaller family farms, however, often cannot afford the upfront cost of this equipment, and some worry that _______________.

Beyond restoring lost function, engineers are now exploring implants and prosthetics designed to give healthy people abilities beyond ordinary human limits. (A) Critics counter that earlier enhancements were broadly available to anyone regardless of wealth, while cutting-edge implants are likely to remain expensive for decades, potentially splitting society along economic lines. (B) Supporters frame this as simply the next step in a long history of human enhancement, no different in principle from eyeglasses or vaccines. (C) What began as a medical tool for restoring what was lost, in other words, may end up redefining the baseline of what counts as an ordinary human being.

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.