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 attributed to herd psychology. During such episodes, individual investors, observing that prices have already risen substantially, often conclude that continuing to buy is ①reasonable simply because so many others are 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 attracting yet another wave of buyers convinced that the upward trend itself constitutes ②reliable evidence of underlying value. Historical episodes of speculative excess display a strikingly similar pattern, suggesting that the underlying psychological mechanism remains ③variable even as the specific assets involved change considerably across centuries. Eventually, however, some triggering event, however minor, prompts a portion of investors to ④reconsider their assumptions, and the resulting wave of selling can trigger a collapse every bit as rapid and self-reinforcing as the original ⑤ascent.

When a resource is shared among many users, none of whom bears the full cost of its depletion, each individual is ①tempted to extract as much value as possible before others do the same. This dynamic, famously labeled the tragedy of the commons, describes how shared pastures and fisheries can be ②degraded even when every participant privately understands the danger of overuse. A single herder who adds one more animal to a communal pasture gains the ③entire benefit of that addition, whereas the resulting damage to the grass is shared among other herders who depend on the land. Because self-interest offers no incentive to restrain consumption unilaterally, the resource tends to be ④exhausted long before any user intends such an outcome. For decades, economists assumed that only two remedies existed: strict regulation or the conversion of shared resources into private property. Elinor Ostrom ⑤confirmed this assumption, however, by documenting communities that had sustainably managed fisheries and forests for generations through locally devised rules and mutual monitoring rather than external control.

Among the many tools available to those who design choice environments, few are as quietly ①powerful as the default option, the alternative that takes effect automatically unless a person actively selects something else. Because changing a default requires ②deliberate effort, many individuals simply accept whatever arrangement has been preselected for them, regardless of whether that arrangement actually serves their interests best. Countries that automatically enroll citizens in organ donation programs, requiring an explicit request to opt out, consistently report far ③lower donor registration rates than countries that require citizens to actively opt in. Employers who automatically enroll new hires in retirement savings plans likewise see participation rates climb 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 ④normal or recommended, subtly shaping perceptions even among individuals who believe themselves to be deciding ⑤independently.

Why do people often ①overvalue objects they have partly built themselves, even when the finished product is objectively ②inferior to something they could have simply purchased? This puzzle, which researchers named 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 assembled a plain storage box were willing to pay nearly as much for their own ③imperfect 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 poured into a task, individuals become ④reluctant to judge the outcome objectively, because doing so would require admitting that their effort was partly wasted. This tendency helps explain why consumers often prefer products that demand some degree of personal assembly, even when a comparable finished item is available at a ⑤higher price and requires no time investment whatsoever.

Imagine a teleportation device that scans every atom in your body, transmits that information to a distant station, and reconstructs an exact physical duplicate there, while destroying the original body in the process. From the traveler's point of view, stepping into the machine and stepping out on the other side would feel utterly seamless, complete with continuous memories. Philosophers, however, are troubled by a version of the same device that malfunctions: instead of destroying the original, it leaves the original body intact while still creating a perfect duplicate elsewhere. Now two people exist, each with identical memories and an equally strong claim to being the original traveler, and there is no principled way to say that one of them is the real continuation of the person who entered the machine. This malfunction reveals that _______________.

When people encounter an individual who appears to memorize enormous quantities of specialized information effortlessly, they often assume that person possesses an innate gift. Cognitive psychologists, however, contend that such feats rarely stem from raw talent alone. Instead, such feats arise from _______________. A landmark study of chess players demonstrated this principle. When shown a board arranged according to plausible game positions, grandmasters reproduced the layout perfectly. Yet when the same pieces were scattered randomly, their performance collapsed to the level of novices. This pattern reveals that expert memory is not larger in raw capacity but is instead organized around patterns accumulated through years of deliberate practice. If chunking, rather than innate aptitude, underlies expert performance, then educators should stop treating talent as fixed and destiny-bound. Curricula ought to be redesigned to cultivate pattern recognition explicitly, since doing so would grant far more students access to expertise once presumed reserved for the naturally gifted.

Psychologists studying human judgment often describe the mind as operating through two distinct systems rather than a single unified process. System 1 works quickly and automatically, generating impressions without any noticeable sense of effort. System 2, by contrast, is slow, deliberate, and demanding, engaged only when a problem requires careful calculation or conscious reasoning. Most daily decisions are handled almost entirely by System 1, which allows people to function efficiently without exhausting their limited mental resources. This efficiency comes at a cost, however, because _______________. As a result, a judgment often feels most confident precisely at the moment when it has skipped the careful scrutiny that could have caught its own mistake.

The framing effect becomes especially consequential in public health communication, where the stakes of a misunderstood message can be severe. (A) Campaigns that frame vaccination as an opportunity to protect ninety-five percent of recipients from a disease tend to generate calm, sustained interest, since the message emphasizes what individuals stand to gain. (B) By contrast, campaigns that frame the same behavior negatively, warning that failure to act will result in a specific number of preventable illnesses, tend to provoke stronger short-term compliance, though sometimes at the cost of inducing anxiety rather than genuine understanding. (C) Public health officials must therefore weigh not only whether a message is factually accurate but also whether its emotional framing serves the audience's long-term well-being.

The immune system produces an almost limitless variety of antibodies, each shaped to latch onto one particular molecular target with remarkable specificity. (A) Monoclonal antibody drugs harness this natural precision by cloning a single antibody-producing cell in the laboratory, generating an army of identical antibodies built to recognize one target, such as a protein on a cancer cell or a molecule driving an autoimmune disease. (B) Because the antibody binds only to its intended target, these drugs tend to spare healthy tissue far more effectively than traditional chemotherapy, which attacks any rapidly dividing cell regardless of whether it is cancerous. (C) Manufacturing monoclonal antibodies remains far more complicated than producing a conventional small-molecule pill, and this complexity keeps monoclonal antibody treatments considerably more expensive than most conventional drugs, a cost that continues to shape debates over pricing and access.

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.