영어 모의고사 (자동 편성)

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

For much of its history, economic theory treated emotion as a distortion ①to be eliminated from otherwise rational calculation, an obstacle standing between decision-makers and their true self-interest. More recent research, however, suggests that emotion ②function not merely as noise but as an integral component of sound judgment, one that supplies information conventional reasoning alone cannot readily access. Individuals who, due to specific neurological conditions, lose the capacity to experience emotion while retaining otherwise normal cognitive abilities frequently ③struggle to make even simple decisions, spending excessive time weighing options that most people resolve almost instantly through a felt sense of what seems right. This observation suggests that emotional responses often ④function as rapid heuristics, allowing individuals to bypass exhaustive deliberation by relying on accumulated affective associations built from past experience. Financial regulators have begun incorporating this understanding into policy design, recognizing that decisions made under conditions of acute emotional arousal often ⑤depart substantially from the measured judgment that individuals would exhibit under calmer circumstances.

Why do people often overvalue objects they have partly ①built themselves, even when the finished product is objectively inferior to something they could have simply purchased? This puzzle, which researchers ②named after a furniture retailer famous for selling items that require home assembly, challenges the standard economic assumption that value is determined solely by an object's inherent qualities. In a series of experiments, participants who ③assembled a plain storage box were willing to pay nearly as much for their own imperfect creation as they were for a professionally built version, despite being fully aware of its flaws. Labor, it seems, functions as a kind of psychological investment: once effort has been ④pour into a task, individuals become reluctant to judge the outcome objectively, because doing so would require admitting that their effort was partly ⑤wasted.

A liver no longer has to sit inside a human body to be studied ①closely. By coaxing stem cells to organize themselves within a nutrient-rich gel, scientists can now grow ②miniature three-dimensional structures called organoids, which reproduce much of the architecture and function of a real organ despite being no larger than a grain of rice. Unlike flat cultures grown on a plastic dish, which ③preserve 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 ④realistic ways. This fidelity has made organoids invaluable for testing how a drug affects human tissue before any patient is exposed, sparing researchers much of the ⑤burden of relying on animal models alone.

Every time a smartphone connects to a cell tower or a Wi-Fi network, it ①quietly records a data point that can later be pieced together into a detailed map of where its owner has been. Most users agree to this tracking without reading the fine print, assuming that a single company's database poses ②little threat. The real danger, however, emerges when location data from multiple sources is combined. A pattern that reveals a person's home, workplace, and daily route can ③expose far more than any single app ever intended to share. Companies often argue that anonymized data cannot be traced back to individuals, yet researchers have ④repeatedly shown that a handful of location points is enough to identify a specific person with striking accuracy. As a result, privacy experts increasingly insist that location data deserves ⑤minimal legal protection, similar to that of medical records.

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.

The rejection of unfair offers in the ultimatum game raises an intriguing evolutionary question. (A) One explanation suggests that a willingness to punish unfairness, even at a personal cost, may have conferred long-term advantages within small communities where reputation and repeated interaction mattered greatly. (B) If punishing unfairness is costly in the short term, why would such a tendency have persisted across generations rather than being eliminated by more narrowly self-interested behavior? (C) An individual known to reject unfair offers discourages others from proposing unfair terms in future interactions, ultimately securing fairer treatment over the course of a lifetime.

It would be comforting to believe that anything sufficiently large or obvious appearing within our field of vision will automatically capture our attention, yet decades of research into inattentional blindness suggest otherwise. (A) This failure does not stem from a defect in the eyes, which register the stimulus perfectly well, but from the fact that conscious perception depends heavily on where attention has been directed. (B) When people are absorbed in a demanding task, such as counting how many times a ball is passed between players, they frequently fail to notice an unexpected and conspicuous event unfolding in plain sight, even something as unlikely as a person in a costume walking through the scene. (C) Policymakers ought to take this finding more seriously than they currently do, because it implies that simply placing a warning sign within someone's visual range offers no guarantee that it will be consciously registered. Designing safer environments, therefore, requires accounting for the limits of attention itself, not merely assuming that visibility alone ensures awareness.

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 evidentiary standard, ironically, has made behavioral interventions more rigorously tested than many of the traditional programs they were designed to complement. Government adoption of behavioral insights has generally been governed by a strict evidentiary standard: officials demand proof that a proposed intervention works before authorizing its use. ( ① ) This demand led to the routine use of randomized controlled trials, in which a proposed change is tested on a small population before being rolled out more broadly. ( ② ) Such trials allow policymakers to determine with reasonable confidence whether an intervention produces the intended effect before committing significant public resources to it. ( ③ ) Many long-standing government programs, by contrast, were implemented decades ago without ever being subjected to comparably rigorous evaluation. ( ④ ) Behavioral units within government have, as a result, gradually earned a reputation for evidence-based rigor that extends well beyond their original, narrow mandate. ( ⑤ ) That reputation has, in turn, given behavioral approaches an outsized voice in policy discussions relative to their still-modest budgets.