Utilize the input text as a context reference, choose the right relationship between Virgin Money and Richard Branson 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.

Jayne-Anne Ghadi with Richard Branson - a major shareholder in Virgin Money

Answer: founded_by