영어 모의고사 (자동 편성)

A striking proportion of individual investors believe their own stock-picking ability to be above average, a statistical impossibility given that only half of any population can genuinely outperform the rest, yet a pattern that ①persists with remarkable consistency across surveys. This tendency, known as overconfidence bias, leads investors ②to trade more frequently than a more cautious assessment of their own skill would justify. Extensive research comparing the trading records of numerous individual accounts has demonstrated that investors who trade most frequently ③tends to earn substantially lower returns than those who trade rarely, largely because transaction costs accumulate and because frequent trading often reflects overconfident reactions to short-term noise rather than genuine insight. Overconfidence also manifests in the tendency to underestimate the range of possible outcomes, ④causing investors to concentrate their holdings in a small number of assets they feel certain about rather than diversifying across a broader portfolio. Paradoxically, then, the very confidence that motivates investors to act decisively often ⑤undermines the outcomes they are trying to achieve.

Jihun made a resolution ①to study English for two hours every day. For the first three days, he studied exactly as planned and ②felt proud of himself. However, on the fourth day, he skipped his study time because he was too exhausted, and within a week, his resolution had disappeared. ③Feeling disappointed, Jihun talked to his older sister about it, and she suggested that he ④try a smaller, more realistic goal instead of a large one. Following her advice, he changed his plan to studying English for only twenty minutes each night, and this small goal felt less overwhelming, so he managed ⑤keeping it every day for a month.

Three years ago, he was a ①shy sophomore who dreamed of becoming a science teacher but doubted his own grades. He wrote down this single goal in his notebook and read it every morning before class. Instead of studying everything at once, he ②focused on one weak subject each month and asked his teachers for extra help. There were many moments when he wanted to ③give up, especially before difficult exams. However, he kept reminding himself why he had started. Today, Minho is studying to become a science teacher at university, proving that steady effort truly ④pays off, and his story continues to ⑤discourage his junior students.

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 often conclude that continuing to buy is reasonable simply because so many others are doing the same, rather than because any independent evaluation supports the purchase. Understanding market bubbles thus requires looking beyond conventional economic fundamentals toward the ___________ that binds individual investors into a single, momentum-driven crowd.

The scarcity effect operates with particular force when a deadline, rather than a fixed quantity, defines the limitation. (A) A countdown timer displayed beside an online offer, for instance, creates a constant visual reminder that the opportunity to purchase is steadily disappearing, prompting many shoppers to decide before they have fully considered the purchase. (B) Because the clock continues ticking regardless of the shopper's readiness, the pressure to act quickly can override the more deliberate evaluation that a purchase might otherwise receive. (C) Retailers have accordingly found that adding an explicit deadline, even an artificial one that resets shortly afterward, reliably increases the speed and frequency of purchase decisions.

The ethical debate surrounding nudging often intensifies when the technique is applied to particularly vulnerable populations. (A) Elderly individuals facing complex decisions about long-term care, for example, may be especially susceptible to defaults and framing effects, raising the stakes of any given choice architecture considerably. (B) Some ethicists argue that heightened vulnerability actually strengthens the case for carefully designed nudges, since vulnerable individuals may otherwise fall prey to more overtly exploitative influences, such as aggressive sales tactics, if a beneficial default is not established first. (C) Others insist that heightened vulnerability demands greater caution rather than more intervention, since those least equipped to resist a nudge are also least equipped to recognize when it no longer serves their genuine interests.

Setting up and using this goal-tracking app only takes a few simple steps. (A) After that, choose how often you want to practice the goal, and the app will send a gentle reminder at the chosen time. (B) First, create an account using your email address, and then tap the plus button to add a new goal. (C) Finally, tap the checkmark whenever you complete a task, and the app will record your streak automatically.

주어진 문장: Fortunately, this cycle is not impossible to reverse. An echo chamber refers to an online environment where people are mainly exposed to opinions that already match their own beliefs. ( ① ) This phenomenon occurs because social media algorithms tend to recommend content similar to what users have previously liked or shared, gradually narrowing the range of perspectives they encounter. ( ② ) As a result, individuals inside an echo chamber rarely engage with viewpoints that challenge their existing assumptions, which allows their original beliefs to grow increasingly extreme over time. ( ③ ) For example, someone who frequently reads articles supporting one political party may begin to see the opposing party as entirely unreasonable, having never seriously considered its arguments. ( ④ ) Political polarization, a significant issue in many countries today, is often linked to this pattern of selective exposure. ( ⑤ ) Breaking out of an echo chamber requires deliberately seeking information from diverse sources, even when those sources present uncomfortable or unfamiliar ideas.

주어진 문장: This is because the brain naturally pays more attention to things that are connected to a person's goals. Many students who reach their goals share one habit: they picture the goal clearly before they even start working. ( ① ) This process, called visualization, means imagining a goal in detail, often by drawing pictures or writing specific descriptions. ( ② ) For example, a student who dreams of studying abroad might make a board filled with photos of a foreign campus and a list of steps to get there. ( ③ ) Seeing these images every day keeps the goal fresh in mind and reminds the student why the effort matters. ( ④ ) Visualization also helps people notice small opportunities they might otherwise miss. ( ⑤ ) In addition, picturing success in advance can lower anxiety, because the mind grows familiar with the process instead of fearing an unknown outcome.

주어진 문장: Thanks to her call, I felt understood and ready to try again. On the first day of winter break, my friend Yuna and I sat in a cafe and talked about the new year ahead. ( ① ) Instead of making separate plans, we decided to write our goals together on one sheet of paper. ( ② ) Yuna wanted to improve her English speaking, while I wanted to wake up earlier every morning. ( ③ ) We agreed to text each other every night to report what we had done that day. ( ④ ) At first, it felt exciting, but after two weeks, I began to feel tired and wanted to quit. Yuna noticed my short replies and called me instead of just texting. She reminded me why I had chosen this goal in the first place. ( ⑤ ) Because we supported each other through difficult moments, both of us successfully reached our goals by spring.