영어 모의고사 (자동 편성)

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. Tax authorities in several countries, for example, discovered that simply informing citizens how many of their neighbors had already paid overdue taxes on time substantially ①increased subsequent compliance rates, outperforming letters that merely threatened legal penalties for continued nonpayment. Public health agencies have applied similar principles to encourage preventive care, finding that appointment reminders phrased to emphasize the personal cost of a missed visit proved more ②ineffective than neutral reminders listing only the date and time. Employment offices redesigned job-seeking assistance programs around specific, actionable steps rather than general encouragement, discovering that participants who were asked to write down a concrete plan for the following week were considerably more likely to follow through than those who received only ③general advice. 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, often at a fraction of the cost required by traditional programs involving substantial financial incentives or extensive ④enforcement. This accumulated evidence has encouraged many governments to establish dedicated units tasked with applying behavioral insights ⑤systematically to policy problems across an increasingly broad range of domains.

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.

When individuals face uncertainty about how to behave, they frequently look to the actions of others for guidance, assuming that a behavior adopted by many people is more likely to be correct or appropriate than one adopted by few, a tendency known as social proof. Because conformity can substitute for independent judgment so seamlessly, individuals rarely notice when their own decisions have become ___________ rather than genuinely deliberated.

As private companies develop the technology to mine asteroids for rare metals and water, a legal question has become urgent: who owns the resources of outer space? Existing international treaties state that no nation may claim sovereignty over celestial bodies, but they say remarkably little about whether a private company may extract and sell what it finds there. Some governments have already passed domestic laws granting their own companies rights to material mined in space, a move that other nations view as _______________.

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.

The eventual collapse of a speculative bubble often unfolds with surprising speed compared with the gradual climb that preceded it. (A) As prices begin to fall, investors who bought near the peak, motivated largely by fear of missing further gains, are often the first to sell, since they have the least conviction in the asset's underlying value. (B) Their selling triggers further price declines, which in turn prompt additional investors to sell out of a newly urgent fear of continued loss rather than a fear of missing out. (C) This reversal illustrates that the same herd psychology driving prices upward can just as easily reverse direction, converting collective optimism into collective panic within a remarkably short period.

When engineers design the software that controls a self-driving car, they inevitably face a question that philosophers have debated for decades: who should the vehicle protect in an unavoidable crash? (A) This gap between the ideal and the personal choice suggests that ethical programming cannot be settled by public opinion alone. (B) Surveys reveal an uncomfortable contradiction: most people say a car should minimize total harm, yet the same people admit they would never buy a vehicle designed to sacrifice its own owner. (C) Manufacturers, regulators, and philosophers must instead agree on transparent rules before autonomous vehicles are allowed to make such decisions on the road.

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 )

Because the two sums occupy entirely separate mental categories, the household feels no contradiction in treating them so differently. Consider a household that maintains two separate financial habits that, from a purely economic standpoint, appear difficult to reconcile. ( ① ) On one hand, the household carefully sets aside a fixed percentage of its income each month into a long-term retirement account, resisting any temptation to withdraw from it early. ( ② ) On the other hand, the same household carries a persistent balance on a credit card, paying a substantial interest rate simply for the convenience of short-term borrowing. ( ③ ) A purely rational calculation would suggest withdrawing a small amount from savings to eliminate the higher-interest debt, since the interest earned on savings is far lower than the interest owed on the card. ( ④ ) Yet the household rarely considers this option, since retirement savings are mentally categorized as untouchable while credit card debt is treated as a separate, ongoing obligation. ( ⑤ ) This example illustrates how mental accounting can lead to financial choices that persist despite being demonstrably suboptimal.

This is a decision, in short, that no single person should be allowed to make alone. The discovery of CRISPR gene-editing technology gave scientists a tool precise enough to correct a single mistaken letter in the human genome, raising hope for curing inherited diseases that have resisted treatment for generations. ( ① ) Yet the same precision that makes CRISPR so promising also makes it dangerous in the wrong hands. ( ② ) Editing a gene in a sperm, egg, or early embryo does not simply change one patient. ( ③ ) It alters the genetic code passed down to every future generation. ( ④ ) 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. ( ⑤ ) Critics worry, however, that this line will become harder to enforce than it is to draw.