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.

Some would be wary of relying on such high levels of cash return over the longer term, but the motor insurance business seems to be in reasonable shape at the moment with last year's fall in gross written premiums stabilized by the halfway stage this year, and Direct Line looks able to pay out the lion's share of its earnings as cash once again.

Answer: product_or_material_produced: Direct Line, insurance