영어 모의고사 (자동 편성)

During the rainy season, umbrellas and raincoats become essential items ①on daily life. After using a wet umbrella, open it fully and let it ②dry in a well-ventilated place before folding it again. Storing a damp umbrella in a closed bag ③can cause mold and a bad smell. Raincoats should also ④be hung up to dry completely before being put away. It is helpful ⑤to wipe off dirt and mud with a soft cloth.

Retailers use a variety of techniques ①designed to encourage customers to make unplanned purchases. Online stores achieve a similar effect through countdown timers that ②create a false sense of urgency. Bright colors, cheerful music, and pleasant scents are also carefully chosen to put customers in a relaxed mood, ③making them less likely to think critically about their spending. Critics argue that these tactics ④exploits human psychology rather than genuinely informing consumers about a product's value. Shoppers who understand these strategies are better equipped ⑤to resist them.

Classical economic models typically assume that people discount future rewards at a constant rate, valuing a reward received later somewhat less than an identical reward received now, but doing so ①consistently across all time horizons. Empirical observation, however, reveals a different pattern: people apply a much ②steeper discount to the immediate future than to the distant future. When the reward or cost in question lies safely in the future, its emotional weight remains ③vivid, allowing rational long-term goals to dominate one's stated intentions. Once that same reward or cost draws near, however, its immediacy triggers a disproportionately strong emotional pull, frequently ④overriding the very plans made earlier with such apparent confidence. This dynamic helps explain chronic procrastination, since tasks that carry long-term benefits are perpetually ⑤deferred in favor of activities offering more immediate satisfaction.

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.

Imagine watching a fair coin land on heads five times in a row and feeling an increasingly strong intuition that the next flip is somehow due to produce tails. This intuition rests on a basic misunderstanding of probability, since each flip of a fair coin remains entirely independent of every flip that came before it. Casinos have long profited from this misconception, watching gamblers place larger bets after a losing streak simply because they mistakenly believe that a win has become statistically overdue. Economists have even documented the same error among trained professionals, including loan officers who grow more likely to approve a risky application simply because _______________.

The debate over nudging often centers on a single, deceptively simple question: does saving people from their own cognitive errors amount to genuine assistance or subtle manipulation? (A) Supporters respond that every choice architecture, whether intentionally designed or not, already influences behavior in some direction, so deliberately choosing a beneficial default is preferable to leaving the arrangement to chance or to the interests of profit-driven designers. (B) Opponents of nudging argue that any attempt to steer behavior, however gently, treats citizens as incapable of making sound decisions on their own and therefore undermines the very autonomy it claims to respect. (C) This rebuttal shifts the debate away from whether influence should exist at all and toward the more practical question of who should be trusted to design it and for what purpose.

Air conditioners keep us cool in summer, but setting the temperature too low can be harmful. (A) For example, a large gap between indoor and outdoor temperatures can lead to headaches, fatigue, and a stuffy nose. (B) This is because a big difference between indoor and outdoor temperatures forces your body to adjust constantly. (C) To prevent this, set a moderate temperature and open a window for a few minutes every hour.

The city operates free cooling centers to help residents cope with extreme summer heat. (A) Most locations are open from nine in the morning until six in the evening, seven days a week. (B) These centers, located in community halls and libraries, offer air-conditioned spaces free of charge. (C) Since there is no cost and no reservation is required, residents are encouraged to visit whenever needed.

Yet this reluctance to accept a small certain loss often leads to a much larger loss later, when the declining trend continues unabated. Loss aversion strongly influences how investors manage their portfolios during periods of market decline. ( ① ) When the value of a stock begins to fall, many investors postpone selling, hoping that the price will rebound to its original level. ( ② ) This tendency is closely tied to the psychological discomfort of converting an unrealized loss into a realized one, since selling forces the investor to formally acknowledge the loss. ( ③ ) Research on trading behavior consistently shows that investors hold declining stocks for longer periods than rising ones, a pattern that runs counter to the basic principle of cutting losses early. ( ④ ) Financial advisors therefore encourage clients to set predetermined selling thresholds in advance, before emotional attachment to a particular price can distort their judgment. ( ⑤ ) By committing to a rule beforehand, investors can partially neutralize the emotional bias that loss aversion introduces into decision-making.

주어진 문장: This kind of accuracy might seem convenient at first, but it also raises troubling questions about surveillance. Online advertising algorithms analyze enormous amounts of user data to determine which products a person is most likely to purchase. ( ① ) Every click, search, and pause while scrolling provides information that these systems use to refine future advertisements. ( ② ) As a result, the ads that appear on a person's screen often feel remarkably specific, sometimes referencing items browsed only minutes earlier. ( ③ ) Supporters argue that this level of precision benefits consumers by reducing exposure to irrelevant advertisements and highlighting products they genuinely need. ( ④ ) Critics, however, worry that constant exposure to tailored ads can encourage unnecessary spending, since algorithms are specifically designed to identify and exploit individual weaknesses. ( ⑤ ) Because these algorithms operate largely without public oversight, few consumers fully understand how their personal data shapes what they eventually buy.