영어 모의고사 (자동 편성)

문제 1

Many households save far less for retirement than conventional financial advice would recommend, not necessarily because they ①lacks the resources to do so, but because a combination of procrastination, present bias, and the discomfort of forgoing current consumption repeatedly delays the decision to begin saving. Recognizing this gap between intention and action, some economists have proposed a savings program in which employees commit today to ②allocating a portion of their future salary increases toward retirement savings, rather than being asked to reduce their current take-home pay immediately. Because the sacrifice applies only to income not yet received, the commitment ③feels far less painful than an equivalent reduction in present earnings would, making employees considerably more willing to enroll. Once enrolled, the contribution rate automatically rises with each subsequent raise, ④gradually increasing savings without requiring any further deliberate action from participants. Field trials of such programs have reported substantial increases in average savings rates over several years, alongside participant satisfaction that ⑤remains notably high.

문제 2

When Suji transferred to a new school in March, she ①knew no one in her class and felt lonely during lunch and breaks. Her homeroom teacher suggested ②joining a club to make friends more easily. Suji signed up for the photography club, though she had never taken photography seriously before. At the first meeting, older members taught her how ③to adjusting a camera and find a good angle. Because everyone shared photos and gave friendly feedback each week, Suji gradually felt more comfortable with the other members. One rainy afternoon, a fellow member, Hana, ④invited her to photograph the flooded schoolyard together. They laughed while trying to keep their cameras dry, and that moment grew into a real friendship. By the end of the semester, Suji had a small group of friends ⑤who understood her sense of humor.

문제 3

Riding a bicycle is a great way to stay active during summer vacation, but safety should always come ①first. Wearing a helmet is essential, since it can ②prevent serious head injuries in an accident. It is also important to wear bright or reflective clothing so that drivers can see you ③clearly. Riders should always follow traffic signals and ride in the same direction as traffic, never against it, since going against traffic makes accidents much ④less likely. Carrying a water bottle is wise, since dehydration can cause dizziness and affect your ⑤balance.

문제 4

Air conditioners make summer days more comfortable, but using them ①incorrectly can harm your health. Doctors recommend keeping the difference between indoor and outdoor temperatures ②small, within about five or six degrees. A larger gap forces your body to adjust constantly, which can ③weaken your immune system. This sudden change often leads to headaches and fatigue. To avoid these problems, set your air conditioner to the ④lowest temperature possible, and open a window ⑤regularly to let fresh air in.

문제 5

On a summer evening, downtown streets often feel ①noticeably hotter than nearby parks or suburban neighborhoods, even after the sun has set. This phenomenon, known as the urban heat island effect, occurs when cities ②retain more heat than surrounding rural areas because of their dense concentration of asphalt, concrete, and buildings. Unlike soil or vegetation, which absorb and release heat ③instantly, these man-made surfaces absorb sunlight during the day and slowly radiate it back at night, preventing temperatures from cooling. Tall buildings packed closely together also block wind, trapping warm air within narrow streets. In contrast, areas with ④abundant trees and open water naturally stay cooler, since plants release moisture that helps lower surrounding temperatures. To reduce this effect, many cities have begun installing rooftop gardens and ⑤expanding public parks, hoping that additional greenery will absorb less heat than pavement does.

문제 6

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.

문제 7

When sociologist Émile Durkheim studied suicide rates across different societies, he noticed something puzzling: rates rose not only during economic depression but also during sudden prosperity. (B) Decades later, Robert Merton extended the concept to explain deviance within stable societies, proposing that anomie also arises when a culture insists that everyone pursue identical goals while denying many people the legitimate means to achieve them. (A) He concluded that both crises share a common feature, the collapse of shared norms, a state Durkheim called anomie, arguing that rapid social change can strip away the moral guidelines that regulate human desire. (C) Faced with this gap between aspiration and opportunity, some individuals conform, but others turn to innovation, ritual, retreat, or rebellion.

문제 8

Dear members of the Debate Club, I am writing to let you know that our regular meeting time has been changed. (A) Please bring the debate topic that you prepared last week, since we will practice our arguments together. If you cannot attend the new meeting time, please reply to this email by Tuesday evening. (B) We usually meet in Room 304 every Wednesday after school, but the room will be used for sports day practice next week. Instead, our meeting will be held in the library on Thursday at the same time. (C) We also need two volunteers to arrange the chairs and tables before the meeting begins. Mr. Park, our club advisor, will join us this time to give feedback on our speaking skills. Thank you for your understanding, and I look forward to seeing everyone on Thursday.

문제 9

This slow but steady growth is exactly what turns a single visit into a lifelong value. Our school's volunteer club, Helping Hands, tries to make small acts of kindness feel natural. ( ① ) Each month, students visit a nearby nursing home and spend an afternoon talking with elderly residents. ( ② ) For example, they read newspapers aloud or just listen to old stories from the residents. In addition, members collect used books and toys from classmates and donate them to a community center downtown. ( ③ ) Some students feel nervous before their first visit, unsure of what to say to strangers. However, most discover that a warm smile works better than perfect words. ( ④ ) Therefore, the club's real goal is not just finishing hours for a report card. Instead, it teaches members that caring for others grows into a lasting habit, like watering a plant daily. ( ⑤ ) By the end of the year, many students say the club changed how they see their community.

문제 10

This helps every club know exactly when the room is free for their use. The student council reminds all club members about the rules for using the club activity room. First, every club must sign up for a time slot on the reservation sheet. ( ① ) Members should arrive on time and leave the room within ten minutes after their activity ends. ( ② ) Because several clubs share the same space, food and drinks are not allowed inside the room. ( ③ ) Members must also return chairs and tables to their original positions before leaving. If equipment is broken or missing, the club leader should report it to the teacher. ( ④ ) Clubs that ignore these rules may lose their reservation for the following month. Please also remember to turn off the lights and lock the door carefully. ( ⑤ ) These simple habits will keep the room clean and available for everyone.