영어 모의고사 (자동 편성)

Over the past two decades, insights drawn from behavioral economics have moved beyond academic journals and into the machinery of government itself, ①reshaping how numerous public programs are designed and implemented. Tax authorities in several countries, for example, discovered that simply informing citizens how many of their neighbors had already paid overdue taxes on time substantially ②increased subsequent compliance rates, outperforming letters that merely threatened legal penalties for continued nonpayment. Public health agencies have applied similar principles to encourage preventive care, finding that appointment reminders phrased to emphasize the personal cost of a missed visit ③proved more effective than neutral reminders listing only the date and time. Employment offices redesigned job-seeking assistance programs around specific, actionable steps rather than general encouragement, discovering that participants who were asked ④to write down a concrete plan for the following week were considerably more likely to follow through than those who received only general advice. What unites these disparate interventions ⑤are a shared recognition that small, carefully tested adjustments to how choices are presented can produce measurable improvements in outcomes.

Choosing a college major is one of the biggest decisions many students ①faces after high school. Some students assume that their major will completely determine their future career, but this is not always true. A student ②who majors in history might later become a successful marketer. What matters more than the major itself is the set of skills a student develops, such as critical thinking, writing, and ③problem solving. These abilities can ④be applied to almost any career. However, choosing a major that genuinely interests a student still matters, because motivation makes learning ⑤easier and more effective.

Many companies today advertise their products as environmentally friendly, yet not all of these claims are accurate. This practice, ①knowing as greenwashing, involves exaggerating or fabricating a product's positive impact on the environment. Consumers, ②who are increasingly concerned about climate change, often trust such claims without questioning them closely. As a result, they may pay higher prices for products ③that are no more sustainable than ordinary alternatives. Genuine environmental efforts, which usually ④require significant investment and long-term planning, are far more costly than simply changing a label. Therefore, governments should establish clear standards ⑤that require companies to prove their environmental claims with verifiable data.

Standard economic theory assumes that money is fungible, meaning that a dollar earned as salary is functionally ①identical to a dollar received as a tax refund or won in a lottery. In practice, however, people routinely sort their finances into separate mental accounts, treating money differently depending on its source or intended purpose. A household that would never dip into its retirement savings to pay for a vacation might nonetheless spend an unexpected bonus on that very trip without ②hesitation, even though both sums are, in strictly financial terms, equally available for either purpose. This ③compartmentalization can produce decisions that appear ④consistent when viewed through a purely rational lens: the same individual who diligently saves a portion of every paycheck may simultaneously carry high-interest credit card debt, effectively paying more to borrow than they earn on their savings. Mental accounting is not always harmful, however; by assigning specific categories to specific funds, individuals can also impose useful ⑤discipline on their spending, preventing money earmarked for essential needs from being diverted toward impulsive purchases.

A striking proportion of individual investors believe their own stock-picking ability to be above average, a statistical ①impossibility given that only half of any population can genuinely outperform the rest, yet a pattern that persists with remarkable consistency across surveys. This tendency, known as overconfidence bias, leads investors to trade more ②frequently than a more cautious assessment of their own skill would justify. Extensive research comparing the trading records of numerous individual accounts has ③demonstrated that investors who trade most frequently tend to earn substantially ④higher 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, causing 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.

Marketers have long recognized that perceived scarcity, the sense that a product or opportunity is available only in limited quantity or for a limited time, can dramatically increase its ①desirability, even when the item's intrinsic qualities remain entirely unchanged. This phenomenon, known as the scarcity effect, operates on a simple psychological principle: when something appears ②easy to obtain, people tend to infer that it must be valuable, since truly worthless items rarely generate genuine competition for possession. A retailer who labels a product as "limited edition" or displays a countdown timer beside a discounted offer exploits this inference, prompting customers to make ③hurried purchase decisions they might otherwise postpone or reconsider. Experimental studies confirm that identical products are rated as more desirable and often command ④higher prices when framed as scarce than when the same products are presented as widely and continuously available. Consumers who later reflect calmly on such purchases frequently discover that the item's actual usefulness fell well short of the ⑤urgency they experienced at the moment of decision.

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.

주어진 문장: This is because clear goals give the brain a specific target to focus on. Have you ever wondered why some people stay motivated while others give up quickly? ( ① ) The answer often lies in whether they have a clear goal. ( ② ) When people have no specific goal, they usually feel confused about where to start, and their interest fades within days. ( ③ ) For example, a student who simply decides to study harder this year often loses direction because the plan is too vague. ( ④ ) In contrast, a student who sets a clear goal, such as raising an English score by ten points, knows exactly what to do every day. ( ⑤ ) A clear goal also makes progress easy to measure, and noticing small improvements keeps people encouraged.

주어진 문장: This gap between old and new skill sets can make the transition especially challenging for older workers. As governments and companies work to address climate change, a new category of employment known as green jobs has expanded rapidly. ( ① ) These positions include solar panel installers, wind turbine technicians, and specialists who design energy-efficient buildings. ( ② ) Critics point out that transitioning workers from fossil fuel industries to green jobs is not always simple, since the required skills can differ significantly. ( ③ ) Governments are therefore introducing training programs designed to help such workers shift smoothly into renewable energy careers. ( ④ ) Countries that have invested heavily in renewable energy have seen employment in this sector grow far faster than in the economy overall. ( ⑤ ) As climate goals become more urgent worldwide, demand for skilled workers in this expanding field is expected to continue rising steadily.

For example, children and elderly people are especially vulnerable because their bodies cool down less efficiently. Every summer, doctors warn about the danger of heatstroke during long heatwaves, and this condition does not affect everyone equally. ( ① ) Heatstroke happens when the body's temperature rises too high and cannot cool itself down. ( ② ) This condition can be life-threatening if it is not treated quickly. ( ③ ) To prevent heatstroke, drink plenty of water and avoid outdoor activities during the hottest hours of the day. ( ④ ) Wearing light clothing also helps your body stay cool. ( ⑤ ) If symptoms appear, move to a shaded or air-conditioned place immediately.