영어 모의고사 (자동 편성)

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.

In a classic experiment inspired by Keynes's beauty contest analogy, participants choose a number between zero and one hundred, and the winner is whoever selects the number closest to two-thirds of the average of all guesses ①submitted. A perfectly rational player, ②assuming every other participant reasons with unlimited depth, would conclude the equilibrium number is zero, since reasoning about others' reasoning collapses the average toward that single point. In practice, however, actual guesses rarely converge on zero; most participants stop reasoning after a round or two of imagining what others might guess, ③producing average guesses that cluster between twenty and thirty-five. This gap between theoretical equilibrium and observed behavior reveals that human reasoning is bounded, ④capable of anticipating a few steps ahead but rarely capable of iterating the process indefinitely. Economists use this game as a diagnostic tool, since the number a person submits ⑤reveal how many levels of strategic thinking that person is willing to perform.

Two drivers, equally distracted by their phones, run a red light in exactly the same careless manner. By pure chance, a child happens to be crossing the street in front of one driver but not the other; the first driver kills the child, while the second driver drives through safely and never even notices the danger. Although both drivers behaved ①identically and made exactly the same reckless choice, society judges them very differently: one faces criminal charges and lifelong guilt, while the other receives, at most, a minor traffic ticket. Philosophers call this troubling ②asymmetry moral luck, since factors entirely outside a person's control end up determining how severely we judge their moral character. If moral responsibility is supposed to ③depend heavily on luck and circumstance rather than on what a person chooses and intends, this outcome seems deeply unfair, yet few people are willing to excuse the unlucky driver as if nothing worse had happened. Moral luck suggests that our everyday judgments rest on a foundation far ④shakier than we usually like to admit, a fact many find genuinely ⑤unsettling.

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. 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. This accumulated evidence has encouraged many governments to establish dedicated units tasked with applying behavioral insights ___________ policy problems across an increasingly broad range of domains.

Consider a student who genuinely intends to study for tomorrow's exam yet, when the evening actually arrives, chooses to watch another episode of a favorite show instead, promising herself she will surely study harder next week. This pattern, in which the pull of an immediate pleasure overwhelms the value of a distant benefit, appears again and again across ordinary life, from postponed exercise to delayed savings. People do not necessarily fail to understand that the future reward matters more; rather, _______________. Behavioral economists note that this preference weakens considerably once both options are pushed into the future, which is why planning a diet starting next month feels effortless compared with skipping dessert tonight.

Sociologist William Ogburn observed that when a society undergoes technological change, its material culture tends to advance faster than its nonmaterial culture, meaning norms, laws, and values. He termed the resulting gap cultural lag. The rise of the automobile, for instance, transformed daily mobility long before traffic laws, insurance systems, and urban planning fully adapted to the risks it introduced. A contemporary example can be found in genetic testing, which now allows individuals to learn detailed information about inherited disease risk well before _______________. Cultural lag theory reminds us that technological progress is not automatically matched by social progress.

Military researchers have developed weapons systems capable of identifying and engaging targets without a human pressing the final button. Advocates argue that autonomous systems can react faster than any human operator. Human rights organizations counter that removing a person from the final decision strips away moral responsibility, since _______________. Diplomatic negotiations toward an international treaty have repeatedly stalled, partly because military powers disagree on how to define autonomy precisely enough to regulate it.

When people look back on a multi-day journey, they rarely 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 disproportionate weight in this process: the single moment when emotion reached its highest intensity, and whatever happened right before the experience concluded. (A) Even though both hikers faced comparable hardship overall, the second is far more 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, but is shaped disproportionately by whichever moments felt most intense and by however the experience happened to end. (B) The first finishes with a grueling, 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. (C) Consider two hikers who complete an identical five-day trek.

Blockchain technology was originally promoted as a way to remove the need for trusted middlemen, allowing strangers to exchange value directly through a shared, tamper-resistant ledger. (A) In practice, however, a small number of large players have come to dominate many blockchain networks, controlling enough power to influence outcomes that were supposed to be decided collectively. (B) In theory, this design distributes power away from any single institution and toward the network as a whole. (C) Critics note a further irony: when something goes wrong, there is often no institution left to appeal to, since the system was designed to eliminate central authority.

Generative AI systems learn to write, draw, and compose by studying enormous collections of existing human work, much of which was created without the artists' knowledge or consent. (A) Critics respond that the comparison breaks down at scale, since a single AI model can absorb millions of works in days and compete with the very artists who trained it. (B) Supporters of the technology argue that this process resembles how a human student learns by studying the masters. (C) Courts around the world are now being asked to decide whether training an algorithm on copyrighted material counts as fair use or as infringement.