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.

Economists have long debated whether prosperity and environmental quality are fundamentally opposed, or whether the relationship between them ①changes shape as an economy matures. The Environmental Kuznets Curve, a hypothesis ②borrowed from earlier theories of income inequality, proposes that pollution initially rises alongside economic growth before eventually declining once a society crosses a certain threshold of wealth. In its early stages, industrializing nations prioritize output over conservation, ③treats clean air and water as expendable costs of development to be addressed later. Beyond a certain point, however, rising incomes generate both the technological capacity and the political will ④to demand stricter regulation, so degradation begins to reverse even as production keeps expanding. Some scholars regard this trajectory as a reassuring paradox, suggesting that the very growth ⑤blamed for ecological harm may eventually finance its own repair. Critics, by contrast, argue that the curve rests on a narrow selection of pollutants that happen to decline with wealth, while ignoring greenhouse gases and resource depletion, which show no comparable tendency to fall.

Picture a woman who receives a plain ceramic mug as a free gift at a conference and, later that afternoon, ①refuses to sell it for anything less than triple its price in the gift shop downstairs. Before she owned the mug, she would never have paid extra for it; once it became hers, however, its value in her mind ②declined sharply, simply because she now possessed it. Researchers have ③repeatedly observed this pattern across many everyday objects, from coffee mugs and concert tickets to office chairs and old furniture inherited from relatives. Owners ④consistently demand more money to give something up than buyers are willing to offer for that very same item, revealing a curious asymmetry rooted purely in possession itself. Some economists argue that this effect explains why negotiations over inherited property so often ⑤collapse, since each side quietly attaches a different value to what it currently holds.

Every time an antibiotic kills off a population of bacteria, a handful of cells carrying a random mutation that resists the drug are left behind to ①multiply without competition. Repeated over decades, across hospitals, farms, and households worldwide, this simple process of natural selection has produced strains of bacteria that survive treatments once considered reliably ②effective. The pharmaceutical industry, meanwhile, has slowed the pace at which new antibiotics reach the market, since a drug meant to be taken for only a week or two rarely earns back the ③enormous cost of developing it. Researchers are therefore searching in ④unconventional places, screening soil microbes, ocean sediment, and even genetic databases for molecules that kill bacteria through mechanisms resistant strains have not yet learned to evade. Some scientists have also revived an older approach, using viruses that infect only bacteria to hunt down resistant strains with a ⑤carelessness no broad-spectrum drug could ever match.

Emissions trading, a market-based mechanism for curbing greenhouse gases, allows governments to set an overall limit on carbon output while letting firms trade permits within that limit. Under this system, known as cap-and-trade, companies that cut emissions more cheaply than required can sell surplus allowances to firms facing higher reduction costs. Proponents argue that _______________, since abatement shifts toward whoever can achieve it most economically. Critics, however, contend that trading schemes frequently allocate too many permits, a flaw that has historically depressed carbon prices and blunted incentives to invest in cleaner technology. For example, early phases of several regional markets granted allowances so generously that permit prices collapsed, leaving polluters with little pressure to change their practices. Consequently, many economists now advocate combining trading with a price floor, a minimum permit price that keeps the market from collapsing during weak demand, thereby preserving the cost-effectiveness for which trading is valued.

Cognitive psychologists distinguish between two modes by which the mind handles information, a distinction that helps explain why experienced drivers can hold conversations while navigating familiar roads without conscious effort. Automatic processing occurs rapidly, requires minimal attention, and typically operates outside conscious awareness, allowing multiple automatic tasks to proceed without interfering with one another. Controlled processing, by contrast, unfolds more slowly, demands deliberate attention, and _______________. Skills that once required intense concentration, such as reading or typing, gradually become automatic through extensive practice, freeing attentional resources for other purposes. This shift explains why novice drivers find it difficult to talk while merging onto a highway, whereas seasoned drivers manage the same maneuver with comparative ease. However, automaticity carries hidden costs, since automatized responses can be triggered inappropriately by habitual cues even when circumstances have changed, occasionally producing errors that controlled deliberation would have prevented.

Sociologist Mark Granovetter challenged a common assumption when he found that job seekers were more likely to hear about new opportunities from casual acquaintances than from close friends and family. This finding, published as the strength of weak ties, rests on a structural insight: close friends tend to belong to the same tight social circle and therefore already share most of the same information, whereas casual acquaintances typically move in different circles and can act as bridges to information a person would otherwise never encounter. Weak ties, precisely because they connect otherwise separate networks, _______________. Granovetter's insight has since been applied well beyond job searches, informing research on how innovations spread and how epidemics travel through a population.

Traditional industrial systems have relied on a linear model of production, in which raw materials are extracted, transformed into goods, and eventually discarded as waste. This approach treats natural resources as if unlimited and disposal as if costless. (A) Because such practices lessen dependence on finite raw materials, they reduce the environmental damage caused by mining. Consequently, the circular economy is increasingly regarded as a viable economic strategy that conserves resources for future generations. (B) A circular economy proposes an alternative framework in which materials are kept in continuous use through reuse, repair, and recycling, thereby reducing the extraction of virgin resources. Central to this model is the notion that waste, rather than being an inevitable byproduct, can be redesigned as a resource for another process, much as fallen leaves nourish the trees that shed them. (C) For example, manufacturers design products so that components can be disassembled and reused in new items once their original function ends. Some companies also lease equipment instead of selling it outright, retaining responsibility for refurbishment.

Suppose you meet a quiet, gentle man who speaks softly, tends a small garden, and organizes his bookshelf with meticulous care. (A) This judgment, however, ignores a crucial fact: truck drivers vastly outnumber florists in almost every country, which means that, statistically, he is far more likely to belong to the larger group regardless of how well he fits the flower-shop image. (B) Relying on resemblance to a familiar category rather than on underlying numerical proportions, known among researchers as representativeness, leads people to overlook these base rates almost automatically. Even trained professionals, who should know better, often fall into the same trap when a vivid description feels more convincing than plain statistics. Consequently, teaching people to pause and ask how common something actually is, instead of merely how typical it appears, can meaningfully improve the accuracy of everyday predictions and reduce costly errors in judgment. (C) Asked whether he is more likely a florist or a truck driver, most people instinctively choose florist, since his personality matches the stereotype so neatly.

Until clearer rules emerge, artists, developers, and publishers remain locked in a legal gray zone that satisfies almost no one. 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. ( ① ) Supporters of the technology argue that this process resembles how a human student learns by studying the masters. ( ② ) Critics respond that the comparison breaks down at scale, since a single AI model can absorb millions of works in days. ( ③ ) Courts around the world are now being asked to decide whether training an algorithm on copyrighted material counts as fair use or as infringement. ( ④ ) This is a question the law was never designed to answer. ( ⑤ )