Utilize the input text as a context reference, choose the right relationship between Discover and IBM from the options. Options: 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.

Abbott Laboratories American Express Caterpillar Coca-Cola Discover Financial Dow Chemical eBay Halliburton IBM Kimberly-Clark Kinder Morgan Lockheed Martin Morgan Stanley Procter & Gamble Raytheon Texas Instruments Travelers Union Pacific United Technologies Yahoo And net losses are predicted for Amazon, Freeport-McMoRan and Vale.

Answer: manufacturer