영어 모의고사 (자동 편성)

Blockchain technology was originally promoted as a way ①to remove the need for trusted middlemen, allowing strangers to exchange value directly and verify transactions through a shared, tamper-resistant ledger rather than through a bank or government agency. In theory, this design ②distributes power away from any single institution and toward the network as a whole. In practice, however, a small number of large players have come to dominate many blockchain networks, ③controlled enough computing power or currency to influence outcomes that were supposed to be decided collectively. Critics note a further irony: when something goes wrong, there is often no institution left ④to appeal to, since the entire system was designed precisely to eliminate that kind of central authority. Whether decentralization can survive this concentration of power ⑤remains one of the technology's most unresolved questions.

Individuals confronted with a set of options frequently ①default to whichever alternative requires no active decision at all, a tendency scholars term the status quo bias. Rather than weighing the merits of each available choice afresh, decision-makers often treat the current arrangement as a reasonable baseline simply because it already exists, even when ②switching would plainly serve their interests better. This pattern becomes especially apparent in contexts where enrollment in a program ③depend on a default setting. When employees must actively opt into a retirement savings plan, participation rates remain stubbornly low; yet when the same plan is presented as automatic unless an employee opts out, participation rises dramatically, despite the fact that the underlying financial terms ④are identical in both cases. Two forces appear to drive this asymmetry: first, the cognitive effort required to evaluate alternatives, and second, an aversion to the potential regret that ⑤might follow an active decision that turns out poorly.

People often recognize, in ①calm reflection, that their future selves will be tempted to abandon a goal they currently value. Rather than relying solely on willpower at the critical moment, they may choose to restrict their own future options in advance, a strategy known as precommitment. By making certain choices ②affordable, inconvenient, or impossible to reverse, individuals can protect a long-term goal from a short-term impulse that has not yet arisen. A person hoping to save money might lock funds into an account that ③penalizes early withdrawal, removing the very temptation that would otherwise be difficult to resist. Similarly, someone determined to finish a project might ④publicly announce a deadline, transforming private intentions into a commitment that carries social consequences if broken. What unites these examples is a simple insight: because future desires cannot always be ⑤trusted, the wisest moment to act may be now.

When people recall precisely where they were and what they were doing at the moment they learned of some momentous public event, the resulting memory often feels extraordinarily ①vivid, as though it had been etched into the mind with photographic precision; researchers have termed such recollections flashbulb memories. Proponents of this concept once argued that the emotional intensity and surprise accompanying such events trigger a distinct neural mechanism that preserves details with unusual ②fidelity, effectively exempting them from the ③gradual decay that afflicts ordinary memories. Subsequent longitudinal studies, however, have complicated this picture considerably: when researchers compared accounts gathered within days of an event to accounts gathered years later, they discovered that details had frequently been altered, omitted, or even fabricated, even though the individuals reporting them expressed ④unwavering confidence in their accuracy. This persistent mismatch between subjective certainty and objective consistency implies that flashbulb memories, far from being flawless recordings, are ⑤accurate narratives shaped by rehearsal, media exposure, and the passage of time.

German sociologist Georg Simmel argued that the psychological experience of city life differs fundamentally from life in small towns, primarily because urban residents are ①bombarded with a much greater volume of stimuli than the human nervous system evolved to process. To cope with this constant sensory overload, Simmel proposed, city dwellers develop what he called a blasé attitude, a protective indifference in which individuals mentally ②sharpen their emotional reaction to the surrounding crowd, treating most encounters with calculated detachment rather than genuine engagement. This detachment, while sometimes criticized as cold or impersonal, also grants urban residents a distinctive ③freedom, since so few people know or judge them personally. Simmel therefore viewed anonymity as a ④double-edged feature of modern life, one that isolates individuals from deep communal bonds while simultaneously ⑤liberating them from the constant surveillance of small-town social life.

Classical economic theory assumes that consumers evaluate every price change in the same ①rational way, weighing marginal benefit against marginal cost regardless of the absolute numbers involved. Behavioral economists, however, have discovered a ②striking exception: the moment a price drops to exactly zero, people's judgment shifts in a way that ordinary discounting cannot explain. In a well-known laboratory experiment, participants chose between two chocolates, one of higher quality priced at a small fee and one of lower quality offered for free. When both prices were merely reduced by the same amount, most participants still ③avoided the higher-quality option. Yet once the cheaper chocolate's price was lowered to zero, the majority ④abruptly switched their preference, even though the price gap between the two options had not actually changed. Researchers explain this reversal by noting that a free item carries no perceived risk of loss, which makes it feel disproportionately ⑤attractive compared with any option that still requires payment, however small.

Structural functionalism approaches society as a complex system of ①interdependent parts, each contributing to the overall stability and smooth operation of the whole, much as organs contribute to the survival of a biological body. Sociologist Talcott Parsons argued that institutions such as the family, education, religion, and government each perform necessary functions, socializing new members and transmitting values, so that removing or weakening any one institution ②stabilizes the equilibrium of the entire system. Robert Merton refined this framework by distinguishing manifest functions, the intended and openly recognized consequences of a social practice, from latent functions, ③unintended consequences that nonetheless help sustain the system, such as schools serving not only to educate but also to provide childcare that allows parents to work. Critics have long charged that functionalism, by emphasizing stability and equilibrium, struggles to explain social ④conflict and rapid change, since it tends to interpret persistent inequality as somehow functional for society rather than as a problem requiring ⑤correction.

Hyperbolic discounting has direct implications for how retirement savings programs ought to be designed. (A) If employees are asked at the moment of hiring whether they wish to increase their contribution rate at a specific point in the future, many agree readily, since the sacrifice feels distant and therefore painless. (B) When that future date eventually arrives, however, the automatic increase proceeds smoothly precisely because the decision was locked in before the immediate discomfort of a smaller paycheck became salient. (C) This design, sometimes described as committing one's future self in advance, effectively exploits the very inconsistency that hyperbolic discounting predicts, turning a psychological weakness into a practical advantage.

Their actual forecasting accuracy, however, has repeatedly proven no better than that of far less experienced participants, and sometimes even worse. Overconfidence among financial professionals presents a puzzling contradiction. ( ① ) Fund managers and analysts typically possess years of specialized training, access to vast quantities of market data, and considerable professional experience. ( ② ) One might reasonably expect such expertise to translate into consistently superior predictions about future market movements. ( ③ ) Longitudinal studies tracking professional forecasts against actual outcomes reveal a persistent gap between confidence and accuracy. ( ④ ) This finding does not imply that expertise is worthless, but it does suggest that expertise can inflate confidence more readily than it improves genuine predictive accuracy. ( ⑤ ) Investors would therefore do well to treat confident predictions, however credentialed their source, with a healthy measure of skepticism.

During recent years, this gap became impossible to ignore, as families in rural areas or low-income neighborhoods struggled to complete schoolwork that assumed a stable connection and a personal device. 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. ( ① ) Some policymakers initially treated internet access as a convenience, comparable to cable television, rather than as infrastructure essential to modern life. ( ② ) That assumption is increasingly being reconsidered, particularly as more essential services move online by default. ( ③ ) Closing this divide will require more than simply distributing devices. ( ④ ) It will demand sustained investment in the physical networks that carry information into every home, regardless of income or location. ( ⑤ )