영어 모의고사 (자동 편성)

Standard economic theory assumes that money is fungible, meaning that a dollar earned as salary is functionally identical 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, ①treating money differently depending on its source or intended purpose, a process economists call mental accounting. 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 hesitation, even though both sums ②are, in strictly financial terms, equally available for either purpose. This compartmentalization can produce decisions that appear inconsistent when viewed through a purely rational lens: the same individual who diligently saves a portion of every paycheck may simultaneously ③carrying 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 discipline on their spending, ④preventing money earmarked for essential needs from being diverted toward impulsive purchases. The practice thus reveals that financial behavior is guided less by pure arithmetic than by psychological categories that individuals ⑤impose on money's origin and purpose.

As more businesses move their operations online, cyberattacks ①have become one of the most serious threats facing modern companies. Hackers now target everything from small retail websites to massive financial institutions, ②stealing sensitive data or demanding ransom payments. These specialists design systems ③that detect suspicious activity, patch vulnerabilities before criminals can exploit them, and train employees to recognize phishing attempts. Unlike many technical fields, cybersecurity requires constant learning, ④since hackers continually develop new methods to bypass existing defenses. Universities have responded by creating specialized degree programs, while many companies now ⑤offers scholarships to attract students into this growing field.

Social mobility refers to the movement of individuals or families between different positions within a society's system of stratification, whether upward, downward, or sideways. Sociologists distinguish intragenerational mobility, changes within a single person's lifetime, from intergenerational mobility, differences between the social position of parents and their children. A society is often judged by how much intergenerational mobility it ①permits, since high mobility suggests that outcomes depend more on effort and ability than on the ②accident of birth. Structural mobility, caused by large-scale economic shifts such as the growth of new industries, must be distinguished from individual mobility, which results from a single person's particular choices. Research across many nations has found that education functions as the primary channel of upward mobility, yet access to quality education is itself ③evenly distributed, meaning the very mechanism meant to promote ④fairness can end up ⑤reproducing the inequality it was designed to overcome.

The job market has changed dramatically over the past few decades. Many tasks once done entirely by humans are now shared with machines and computer programs. As a result, some traditional jobs have slowly ①appeared, while entirely new positions have emerged to replace them. Workers who once relied on a single skill for their whole career now often need to learn new tools. A graphic designer today must ②understand digital software that did not exist twenty years ago. Adapting to these changes can feel ③stressful, but experts note that workers who stay flexible and keep learning tend to ④succeed regardless of which industry they choose. The ability to adapt may be more valuable than any single specific ⑤skill.

Individuals confronted with a set of options frequently default to whichever alternative requires no active decision at all. Decision-makers often treat the current arrangement as a reasonable ①baseline simply because it already exists, even when switching would plainly serve their interests better. When employees must actively opt into a retirement savings plan, participation rates remain stubbornly ②low; yet when the same plan is presented as automatic unless an employee opts out, participation rises ③dramatically, despite the fact that the underlying financial terms are identical in both cases. Two forces appear to drive this asymmetry: first, the cognitive effort required to evaluate alternatives and initiate change, and second, an aversion to the potential regret that might follow an active decision that turns out poorly. Because inaction carries no such vivid regret, the status quo comes to feel ④riskier than it objectively is, illustrating how mere inertia can ⑤masquerade as a deliberate preference.

Secondhand trading platforms, once considered a niche market for used goods, have grown into a mainstream part of consumer culture. Rising prices for new products, combined with growing awareness of environmental waste, have encouraged many shoppers to consider used items before purchasing something brand new. These platforms allow individuals to sell clothing, electronics, and furniture directly to other consumers, cutting out traditional retail markups entirely. However, buying secondhand carries certain risks, since items cannot always be inspected closely before purchase, and some sellers misrepresent the condition of their products. To address this problem, many platforms now offer buyer protection programs and detailed rating systems for sellers. As trust in these systems continues to grow, ___________.

When choosing a future career, students often face a common question: should I follow what I love, or what I am good at? Passion can provide strong motivation, but loving an activity does not always mean a person will become skilled at it professionally. Natural talent can lead to quick success, but without genuine interest, that success may eventually feel empty or exhausting. Career experts suggest ___________ instead of choosing only one side. Finding this balance takes time and self-reflection, but it often leads to a more satisfying and sustainable career.

Last spring, I joined a one-day job experience program at a local hospital. A kind nurse named Ms. Park showed me around the ward and explained how nurses check patients' conditions. At first, I was nervous about talking to real patients. However, after helping an elderly patient find her room, I felt proud and relaxed. The busiest moment came when several patients needed attention at once, and the nurses worked together calmly. I realized that ___________. By the end of the day, my interest in nursing had grown even stronger.

People often react to failure in very different ways, and this difference can shape their future success. (A) For example, a student who fails a math test might feel upset briefly, but then ask the teacher which questions revealed weak points. (B) Some people believe that failing simply proves they lack ability, so they quickly give up on their goal. (C) Others, however, treat the failure as useful information and use it to build a clearer plan for improvement.

Students who treat their plan as fixed forever may feel unnecessarily anxious when their goals shift. Setting a career plan early in high school offers several important benefits. ( ① ) First, having a general direction helps students choose subjects and activities that support their goals, instead of picking them randomly. ( ② ) Second, a plan gives students a sense of purpose, which can make schoolwork feel more meaningful rather than simply a routine task. ( ③ ) However, an effective career plan should remain flexible, since interests and circumstances often change during the teenage years. ( ④ ) Career counselors therefore recommend reviewing a plan every few months and adjusting it based on new experiences. ( ⑤ ) In this way, careful planning does not limit a student's future; instead, it provides a clear yet adaptable path toward genuine personal growth and long-term satisfaction.