Given the input sentence, please extract the subject and object containing a certain relation in the sentence according to the following relation types, in the format of "relation1: word1, word2; relation2: word3, word4". Relations include: product/material produced; manufacturer; distributed by; industry; position held; original broadcaster; owned by; founded by; distribution format; headquarters location; stock exchange; currency; parent organization; chief executive officer; director/manager; owner of; operator; member of; employer; chairperson; platform; subsidiary; legal form; publisher; developer; brand; business division; location of formation; creator.

Company Ticker Business subsector Credit Suisse stock rating Admiral Group PLC Unsponsored ADR AMIGY, +0.21% Autos Neutral Direct Line Insurance Group PLC DLG, -0.71% Autos Neutral BMW Unsponsored ADR BAMXY, -5.39% Autos Underperform Volkswagen AG Unsponsored ADR VLKAY, -17.34% Autos Underperform Berendsen PLC Unsponsored ADR BSNXY, +0.00% Hotels Neutral Hyatt Hotels Corp. Class A H, -2.27% Hotels Underperform Royal Mail PLC Unsponsored ADR ROYMY, +0.42% Logistics Underperform Banco Santander SA Unsponsored ADR SAN, -3.57% P2P Lending Neutral BNP Paribas SA Sponsored ADR BNPQY, -2.64% P2P Lending Neutral Michael Page International PLC Sponsored ADR MPGPY, +1.87% Recruitment Underperform Source: Credit Suisse Klerk’s report was published before the Environmental Protection Agency’s Earth-shattering charge on Friday that diesel cars sold by Volkswagen AG BAMXY, -5.39% included software designed to cheat emissions inspections.

Answer: product_or_material_produced: Direct Line, Insurance