  The first wrinkle is that individuals differ in their unchosen natural talent resource allotments. These should somehow be equalized. But how? The Dworkin proposal is that we can in thought establish an insurance market, in which people who do not know whether they will be born disabled (afflicted with negative talents) and do not know what market price their positive talents will fetch, can insure themselves in a variant of the equal purchasing power auction against the possibility of being handicapped or having talents that fetch low market price. In this way in thought unchosen luck is transformed into morally inoffensive chosen luck (so far as this is thinkable).