Harvey.Ai Vs Ivo.Ai Luminance Alternative | Switch To Fortva

Harvey.Ai Alternative Vs Ivo.Ai Luminance Alternative | Switch To Fortva

If you’re evaluating Harvey.ai or Ivo.ai, there’s a smarter, more scalable alternative emerging that modern legal and business teams are already switching to Fortva.

Key Takeaways

  • Harvey.ai is a powerful AI legal assistant built primarily for law firms, but it lacks full contract lifecycle management (CLM) capabilities required by modern enterprises.
  • Many organizations using Harvey.ai still rely on multiple tools for document storage, approvals, and workflow automation—creating inefficiencies.
  • AI alone doesn’t solve contract chaos; businesses need structured document management, audit trails, and collaboration systems.
  • Legal teams are increasingly prioritizing platforms that combine AI + CLM + document management in one unified system.
  • Fortva is emerging as a more complete solution by bridging the gap between AI insights and operational contract execution.

The Reality Behind AI Legal Tools in 2026

Just imagine this: your in-house legal counsel is using an advanced AI tool to review contracts faster than ever. But when the deal moves forward, the sales team can’t find the latest version, procurement is working on outdated clauses, and finance is chasing approvals across emails.

Sound familiar?

According to a 2025 report by the Association of Corporate Counsel, over 68% of legal departments say contract management inefficiencies directly delay revenue recognition. Meanwhile, research from Gartner shows that legal teams lose up to 30% of their time searching for documents and managing manual workflows instead of providing strategic value.

The rise of AI tools like Harvey.ai reflects a real need—but AI alone is not enough. Businesses today are not just looking for faster contract review; they need end-to-end control over the entire contract lifecycle.That’s where many platforms start to show their limitations.

See Harvey.ai vs Ivo.ai vs Fortva Comparison

Category Harvey.ai Ivo.ai Fortva
Core Focus AI legal research & drafting AI contract review & negotiation Full CLM + DMS + AI in one platform
Contract Lifecycle Management (CLM) Not included  Limited (pre-signature only) Full lifecycle (draft → approve → sign → track → renew)
Document Management System (DMS) No native storage  Limited Centralized, secure, structured repository
AI Capabilities Strong legal AI Strong contract AI AI + OCR + data extraction + workflow intelligence
Workflow Automation  Minimal Partial  End-to-end automation (approvals, routing, alerts)
Version Control & Audit Trail  Limited  Partial  Full version history + audit logs
E-signature Integration External only  Limited Native integrations (DocuSign & more)
Cross-Team Collaboration  Legal-focused  Legal + sales Legal, sales, procurement, finance, HR in one system
Post-Signature Management  Not supported Weak Full tracking, obligations, renewals
Single Source of Truth No No Yes — everything in one place
Integrations (CRM, tools)  Moderate Moderate Deep integrations (Salesforce, HubSpot, Zapier, MS Word)
Scalability for Enterprises Limited by scope  Requires multiple tools  Built for enterprise-wide operations
Pricing Efficiency  Premium + add-ons  Adds up with other tools  Cost-effective (replaces multiple systems)

 

Harvey.ai Overview— Powerful Legal AI, But Is It Enough?

What is Harvey.ai?

Harvey.ai is an advanced AI-powered legal assistant designed to help law firms and in-house legal teams automate research, contract analysis, and document drafting. Built on large language models and trained on legal data, Harvey.ai positions itself as a productivity multiplier for legal professionals.

Harvey.Ai Vs Ivo.Ai Luminance Alternative | Switch To Fortva
Source.harvey.ai

 

It has gained traction among top-tier law firms and enterprise legal teams because of its ability to quickly interpret complex legal language, generate drafts, and assist with due diligence processes.

However, while Harvey.ai excels in AI-driven legal intelligence, it was not originally built as a complete contract lifecycle management (CLM) or document management system (DMS)—and that distinction matters more than most buyers initially realize.

Best For

Harvey.ai is best suited for:

  • Law firms handling high volumes of legal research and document drafting
  • In-house legal teams focused on accelerating contract review cycles
  • Organizations prioritizing AI-assisted legal insights over workflow automation
  • Teams already using separate systems for document storage, approvals, and collaboration

Key Features

  • AI-powered legal research and drafting
    Harvey.ai can generate legal documents, summarize contracts, and assist lawyers in drafting clauses, reducing manual effort in early-stage document creation.
  • Contract analysis and review automation
    The platform identifies risks, flags inconsistencies, and provides insights into contract language using trained legal models.
  • Natural language querying
    Users can ask legal questions in plain English and receive contextual answers based on legal data and documents.
  • Due diligence support
    Harvey.ai helps legal teams review large volumes of documents during mergers, acquisitions, or compliance audits.
  • Customizable AI workflows
    Enterprises can tailor AI outputs to align with internal legal standards and policies.

Benefits

  • Faster legal document turnaround
    Lawyers can significantly reduce drafting and review time, improving productivity across legal teams.
  • Improved legal insight and accuracy
    AI-assisted analysis helps identify risks that might be overlooked in manual reviews.
  • Enhanced decision-making
    Legal teams gain quicker access to relevant information, supporting faster business decisions.
  • Scalability for legal workloads
    The platform enables teams to handle larger volumes of contracts without proportionally increasing headcount.

Storage and Document Handling Limitations

While Harvey.ai processes documents efficiently, it is not designed as a centralized document management system. This means:

  • No native, enterprise-grade document repository
  • Limited version control compared to dedicated CLM/DMS platforms
  • Reliance on external storage systems for document organization
  • Fragmented audit trails across tools

For many organizations, this creates a hidden challenge: AI-powered insights exist separately from the actual contract lifecycle operations.

Pros

  • Strong AI capabilities tailored for legal professionals
  • Excellent for legal research and drafting tasks
  • High adoption among top-tier law firms
  • Reduces manual legal workload significantly

Cons

  • Lacks full contract lifecycle management (CLM) functionality
  • No built-in document management system for centralized storage
  • Limited workflow automation for approvals and contract execution
  • Requires integration with multiple third-party tools
  • Not optimized for cross-department collaboration (sales, procurement, finance)

Pricing

Harvey.ai does not publicly list its pricing. Enterprise pricing is typically customized based on:

  • Organization size
  • Usage volume
  • Integration requirements

This often places it in the premium pricing tier, making cost predictability a concern for growing businesses.

Use Cases

  • Legal research and case preparation
  • Contract drafting and clause generation
  • Due diligence in M&A transactions
  • Risk analysis in legal documents
  • Internal legal knowledge management

What Users Are Saying (G2, Capterra, Market Feedback)

Feedback from legal professionals highlights a consistent pattern. Users appreciate the speed and intelligence of the AI, especially for drafting and research tasks. Many describe it as a “game-changer” for reducing repetitive legal work. However, there are recurring concerns:

  • Teams still rely on separate tools for contract storage and tracking
  • Workflow management and approvals are handled outside the platform
  • Collaboration across departments remains fragmented
  • Some users report a learning curve when customizing outputs

This aligns with broader industry findings. A 2025 study by Deloitte found that only 34% of organizations using AI in legal workflows have fully integrated it into their contract lifecycle processes, leaving significant gaps in efficiency.

Where Harvey.ai Falls Short for Modern Contract Operations

Harvey.ai represents the future of legal intelligence, but not necessarily the future of contract operations. Today’s businesses are no longer asking:

“How fast can we review a contract?”

They’re asking:

“How do we manage, track, approve, store, analyze, and execute contracts—without losing visibility?”

This shift is critical. According to World Commerce & Contracting, poor contract management costs businesses up to 9% of their annual revenue due to inefficiencies, missed obligations, and compliance risks.

That’s not a drafting problem—that’s a lifecycle problem. And this is where a new generation of platforms is quietly redefining expectations by combining:

  • AI-powered insights
  • Document management
  • Workflow automation
  • Cross-team collaboration

…into a single, unified system.

The Shift Happening Across Legal and Business Teams

Legal teams are no longer operating in isolation. Contracts now sit at the center of:

  • Sales cycles
  • Procurement workflows
  • Financial approvals
  • Compliance tracking

A 2026 report by PwC reveals that over 72% of enterprises are prioritizing integrated CLM platforms over standalone AI tools to improve operational efficiency and reduce risk.

This explains why many organizations that initially adopt AI-first tools eventually begin looking for something more comprehensive—something that doesn’t just analyze contracts, but actually runs them.

Ivo.ai Overview — Contract AI Intelligence With Operational Gaps

What is Ivo.ai?

Ivo.ai is an AI-powered contract review and negotiation platform designed to help legal and business teams accelerate deal cycles. Unlike traditional legal research tools, Ivo.ai focuses more directly on contract workflows, using artificial intelligence to review agreements, suggest edits, and streamline negotiation processes.

Harvey.Ai Vs Ivo.Ai Luminance Alternative | Switch To Fortva
Source:g2

The platform is particularly popular among in-house legal teams and fast-moving commercial organizations, where speed in contract review can directly impact revenue.

At first glance, Ivo.ai appears closer to a contract lifecycle solution than many AI-first tools. But when you look deeper, it becomes clear that it is still primarily a contract review and negotiation layer, not a fully integrated end-to-end CLM and document management system. That distinction becomes critical as organizations scale.

Best For

Ivo.ai is best suited for:

  • In-house legal teams managing high volumes of contracts and negotiations
  • Sales-driven organizations that need faster contract turnaround
  • Companies looking to standardize contract review processes with AI assistance
  • Teams that already use external systems for document storage and lifecycle tracking

Key Features

  • AI contract review and redlining
    Ivo.ai analyzes contracts and automatically suggests edits based on predefined legal standards, helping teams negotiate faster and more consistently.
  • Playbook-driven contract analysis
    Legal teams can create internal rulebooks, allowing the AI to review agreements against company-specific policies and flag deviations.
  • Real-time collaboration during negotiation
    Teams can review, comment, and negotiate contracts collaboratively within the platform, reducing back-and-forth delays.
  • Clause detection and risk identification
    The platform identifies risky clauses, missing terms, or non-standard language to improve contract quality.
  • Integration with document tools
    Ivo.ai integrates with tools like Microsoft Word, allowing users to work within familiar environments while leveraging AI assistance.

Benefits

  • Accelerated contract negotiation cycles
    AI-driven suggestions reduce the time spent reviewing and editing contracts, helping close deals faster.
  • Improved consistency in contract terms
    Playbooks ensure that all contracts align with internal policies, reducing legal risk.
  • Better collaboration between legal and business teams
    Shared visibility during negotiations helps reduce friction between departments.
  • Scalable contract review processes
    Teams can handle higher contract volumes without significantly increasing legal headcount.

Storage and Document Management Limitations

While Ivo.ai moves closer to contract workflows than Harvey.ai, it still stops short of being a complete system of record for contracts and documents.

Key limitations include:

  • No fully native, enterprise-grade document repository
  • Limited lifecycle tracking beyond the negotiation phase
  • Dependency on external tools for long-term storage and organization
  • Fragmented visibility once contracts move into execution and post-signature stages

This creates a common scenario: contracts are reviewed efficiently—but once signed, they often disappear into disconnected systems, making tracking obligations and renewals more difficult.

Pros

  • Strong AI capabilities focused specifically on contract review and negotiation
  • Playbook functionality for standardizing legal processes
  • Seamless integration with familiar tools like Microsoft Word
  • Faster turnaround for sales and legal teams

Cons

  • Not a full contract lifecycle management (CLM) platform
  • Limited post-signature contract tracking and management
  • No centralized, end-to-end document management system
  • Requires additional tools for approvals, storage, and audit trails
  • Scaling across departments can lead to tool fragmentation

Pricing

Ivo.ai does not publicly disclose detailed pricing. Pricing is typically:

  • Custom-based depending on usage and company size
  • Positioned for mid-to-large enterprises
  • Potentially expensive when combined with additional tools required for full lifecycle management

For many organizations, the real cost is not just the subscription—but the need to layer multiple systems together to achieve full contract visibility.

Use Cases

  • Contract review and redlining for legal teams
  • Sales contract acceleration and deal desk support
  • Standardizing legal playbooks across organizations
  • Risk detection during contract negotiations
  • Supporting procurement contract reviews

What Users Are Saying (G2, Capterra, Market Feedback)

User feedback around Ivo.ai reflects a similar pattern seen across modern AI contract tools. Customers frequently highlight:

  • The platform’s ability to significantly speed up contract reviews
  • The usefulness of playbooks in maintaining consistency
  • Improved collaboration between legal and commercial teams

However, common concerns include:

  • Lack of full lifecycle visibility after contracts are signed
  • Continued reliance on multiple tools for document storage and tracking
  • Challenges in managing contract obligations and renewals
  • Limited reporting capabilities across the entire contract portfolio

These concerns are not isolated. According to a 2025 report by Forrester, over 61% of organizations using AI contract tools still struggle with post-signature contract visibility, highlighting a major gap between contract review and contract management.

Where Ivo.ai Falls Short for Scalable Contract Operations

Ivo.ai represents a meaningful step forward from traditional legal tools by addressing contract negotiation efficiency.

But modern organizations are facing a broader challenge.

Contracts don’t end at negotiation—they begin there.

Once agreements are signed, businesses must:

  • Track obligations and deadlines
  • Manage renewals and compliance requirements
  • Maintain audit trails for regulatory purposes
  • Provide visibility across departments

A 2026 study by IDC found that nearly 70% of contract-related risks occur after the contract is executed, not during negotiation. This exposes a critical gap.

Tools focused primarily on pre-signature efficiency can improve speed—but without lifecycle management, they can unintentionally create post-signature blind spots.

The Bigger Picture: From Contract Review to Contract Control

The evolution of contract technology is no longer about isolated improvements. It’s about unifying the entire contract lifecycle. Legal teams are increasingly working alongside:

  • Sales teams closing deals
  • Procurement managing vendors
  • Finance tracking revenue and obligations
  • HR managing employment agreements

This interconnected reality requires more than just AI review tools. It requires a platform that:

  • Centralizes contracts in a single source of truth
  • Automates workflows from creation to renewal
  • Enables secure collaboration across teams
  • Provides real-time visibility into every contract stage

According to McKinsey & Company, companies that digitize and centralize contract workflows can reduce contract cycle times by up to 50% while improving compliance accuracy by over 30%.

That level of transformation doesn’t come from adding more tools—it comes from connecting everything into one system.

Fortva — The Best Alternative to Harvey.ai and Ivo.ai

What is Fortva?

Fortva is a cloud-based contract lifecycle management (CLM) and document management system (DMS) built for modern legal teams and cross-functional business operations.

While platforms like Harvey.ai and Ivo.ai focus heavily on AI-powered contract review and drafting, Fortva goes further—delivering a fully integrated system that manages the entire lifecycle of contracts and documents from creation to renewal.Laserfiche alternative-Document-Management-Process-Automation

This is not just another AI tool layered on top of existing workflows. Fortva is designed as a single source of truth, where legal, finance, procurement, HR, and sales teams can collaborate, automate, and control every stage of contract execution—without fragmentation.

Best For

Fortva is best suited for:

  • In-house legal teams seeking full control over contract lifecycle management
  • Law firms that need both AI-assisted review and structured document management
  • Enterprises managing high volumes of contracts across multiple departments
  • Organizations looking to replace multiple tools with one unified platform
  • Teams prioritizing compliance, auditability, and operational efficiency

Key Features

  • End-to-End Contract Lifecycle Management (CLM)
    Fortva manages contracts from drafting, review, approval, signing, storage, tracking, and renewal—ensuring no stage is disconnected.
  • Integrated Document Management System (DMS)
    A centralized, secure repository for all contracts and business documents, eliminating scattered files across emails and drives.
  • AI-powered contract analysis and data extraction
    Intelligent OCR and AI extract key clauses, obligations, dates, and risks—turning static documents into actionable insights.
  • Workflow automation and approvals
    Automate contract routing, approvals, and notifications across departments, reducing manual delays and bottlenecks.
  • Version control and redlining
    Track every contract version, compare changes, and maintain full transparency during negotiations.
  • E-signature integration (DocuSign and more)
    Seamlessly send, sign, and store contracts without leaving the platform.
  • Role-based permissions and secure access
    Control who can view, edit, or approve documents with enterprise-grade security protocols.
  • Client and advisor collaboration portal
    Securely share documents and collaborate with external stakeholders in real time.
  • Military-grade zero-knowledge encryption
    Ensures that sensitive legal and business data remains protected at all times.
  • Deep integrations with business tools
    Connect with Microsoft Word, CRM platforms like Salesforce and HubSpot, and automation tools like Zapier to align contracts with the entire customer lifecycle.

Benefits

  • True single source of truth for contracts
    Every contract, clause, and update is centralized—eliminating confusion and duplication.
  • Faster deal cycles without losing control
    Automation and AI reduce delays while maintaining compliance and accuracy.
  • Full lifecycle visibility and control
    Track contracts from creation to renewal, including obligations, deadlines, and performance.
  • Improved cross-team collaboration
    Legal, sales, procurement, and finance work in one system instead of disconnected tools.
  • Reduced operational risk and revenue leakage
    Better tracking ensures no missed renewals, obligations, or compliance issues.
  • Scalable for growing organizations
    Replace multiple systems with one platform that grows with your business.

Storage and Document Management

Unlike Harvey.ai and Ivo.ai, Fortva is built with document management at its core.

  • Unlimited centralized storage for contracts and business documents
  • Structured folder systems and advanced search capabilities
  • Full audit trails for compliance and regulatory requirements
  • Secure sharing and access control across internal and external users

This ensures that contracts are not just reviewed—but stored, tracked, and managed throughout their lifecycle.

Pros

  • Combines AI, CLM, and DMS into one unified platform
  • Eliminates the need for multiple disconnected tools
  • Strong workflow automation and approval management
  • Enterprise-grade security and compliance features
  • Built for both legal teams and business users
  • Seamless integrations with existing business ecosystems

Cons

  • More comprehensive than AI-only tools, which may require initial onboarding for teams transitioning from fragmented systems
  • Organizations used to single-purpose tools may need to adapt to an all-in-one platform

Pricing

Fortva offers flexible pricing designed for scalability:

  • Transparent plans based on business size and usage
  • More cost-efficient compared to stacking multiple tools (AI + DMS + CLM separately)
  • Free trial available for teams to explore the platform

This makes Fortva not just a feature upgrade—but a cost optimization strategy.

Use Cases

  • Contract lifecycle management for legal teams
  • Sales contract automation and deal desk optimization
  • Procurement contract tracking and vendor management
  • Financial compliance and audit readiness
  • HR contract and employee agreement management
  • Enterprise document management across departments

What Users Are Saying (Market Feedback)

Organizations adopting Fortva consistently highlight a shift in how they manage contracts and documents.

Users report:

  • Significant reduction in time spent searching for documents
  • Improved visibility across all contract stages
  • Better collaboration between legal and business teams
  • Reduced reliance on email and manual processes
  • Strong confidence in compliance and audit readiness

This aligns with broader industry trends. According to KPMG, companies that implement integrated CLM and document management solutions can reduce administrative workload by up to 40% while improving contract compliance significantly.

Why Fortva Is the Clear Alternative to Harvey.ai and Ivo.ai

The difference is not just in features—it’s in philosophy.

  • Harvey.ai focuses on legal intelligence
  • Ivo.ai focuses on contract review and negotiation
  • Fortva focuses on complete contract control and execution

This distinction matters. Because contracts are not just documents to review—they are business assets that need to be managed, tracked, and optimized across their entire lifecycle. A 2026 report by Capgemini found that organizations using unified CLM platforms experience:

  • 35% faster contract execution times
  • 28% improvement in compliance tracking
  • Significant reduction in contract-related disputes

That level of impact comes from integration, not fragmentation.

Why Legal Teams Are Switching to Fortva, And You Can Too

Forward-thinking organizations are no longer satisfied with tools that solve only one part of the contract process. They are moving toward platforms that:

  • Replace scattered systems with one unified solution
  • Combine AI insights with real operational control
  • Provide visibility across legal, finance, procurement, and sales
  • Eliminate inefficiencies that slow down revenue and increase risk

They’re not just upgrading tools—they’re transforming how their business operates. And Fortva is at the center of that transformation.

Break Free from Harvey.ai and Ivo.ai and Manage Your Contracts with Fortva

Now is the time for you to do the same and invest in a smart DMS and CLM. Stop digging through folders or chasing updates. Fortva keeps every contract, term, and change in one place—so legal teams, finance, sales, procurement, accountants, and HR always work from a single source of truth.

See how Fortva supports your entire document and contract lifecycle. Take a closer look at how Fortva helps your team collaborate, automate workflows, and save time chasing documents that don’t need to be chased.

Create Better Contracts,and  Faster . Start a free trial or book a demo.

 

Frequently Asked Questions

What is Harvey.ai used for?

Harvey.ai is primarily used by law firms and in-house legal teams for AI-powered legal research, contract drafting, and document analysis. It helps lawyers generate clauses, review agreements, and answer legal questions faster. However, it does not manage the full contract lifecycle or store contracts in a centralized system.

What is Ivo.ai used for?

Ivo.ai is designed for AI-driven contract review and negotiation. It helps legal and commercial teams analyze contracts, apply playbooks, and speed up deal cycles. While it improves pre-signature processes, it does not fully support post-signature contract tracking or lifecycle management.

What is the best alternative to Harvey.ai and Ivo.ai?

If you’re looking for a complete solution, Fortva is one of the strongest alternatives. Unlike Harvey.ai and Ivo.ai, Fortva combines AI, contract lifecycle management (CLM), and document management (DMS) in a single platform, eliminating the need for multiple tools.

Is Harvey.ai a contract lifecycle management (CLM) software?

No. Harvey.ai is not a CLM platform. It focuses on legal AI assistance, such as drafting and reviewing documents, but does not handle contract storage, approvals, tracking, or renewals.

Is Ivo.ai a full CLM solution?

Not exactly. Ivo.ai supports parts of the contract process—mainly review and negotiation—but it lacks full lifecycle capabilities like post-signature tracking, obligation management, and centralized document storage.

What is the difference between Harvey.ai and Ivo.ai?

The key difference is their focus:

  • Harvey.ai specializes in legal research and AI drafting
  • Ivo.ai focuses on contract review and negotiation workflows

Neither platform provides a complete end-to-end contract management system.

Why are companies switching from Harvey.ai and Ivo.ai?

Many organizations start with AI tools to improve speed, but later realize they still need:

  • Contract storage and organization
  • Workflow automation and approvals
  • Post-signature tracking and compliance

This leads them to platforms like Fortva that provide full lifecycle control instead of isolated features.

Does Fortva replace both Harvey.ai and Ivo.ai?

Yes. Fortva can replace both by combining:

  • AI-powered contract analysis
  • Full contract lifecycle management
  • Document management and storage
  • Workflow automation and collaboration

This allows businesses to operate from one unified system instead of multiple disconnected tools.

Which is better for in-house legal teams: Harvey.ai, Ivo.ai, or Fortva?

It depends on your needs:

  • Choose Harvey.ai if you only need AI legal research and drafting
  • Choose Ivo.ai if you want faster contract review and negotiation
  • Choose Fortva CLM if you need complete control over contracts from creation to renewal

For most growing organizations, the third option provides more long-term value.

Do Harvey.ai and Ivo.ai store contracts securely?

Both platforms can process contracts, but they are not designed as full document management systems. Most organizations still rely on external storage solutions, which can lead to fragmented workflows and limited visibility.

What features should I look for in a Harvey.ai or Ivo.ai alternative?

When evaluating alternatives, look for:

  • Full contract lifecycle management (CLM)
  • Centralized document storage (DMS)
  • Workflow automation and approvals
  • AI-powered insights and data extraction
  • Secure collaboration and audit trails

These are all built into Fortva.

Is AI alone enough for contract management?

No. AI improves speed, but without lifecycle management, businesses still face:

  • Lost contracts
  • Missed renewals
  • Compliance risks
  • Lack of visibility

That’s why companies are moving toward platforms that combine AI with structured contract operations.

How does Fortva improve contract workflows compared to Harvey.ai and Ivo.ai?

Fortva doesn’t just analyze contracts—it manages the entire process:

  • Draft → Review → Approve → Sign → Store → Track → Renew

This eliminates manual work, reduces risk, and ensures every team works from a single source of truth.

Is Fortva suitable for teams outside legal departments?

Yes. Unlike Harvey.ai and Ivo.ai, which are primarily legal-focused, Fortva is built for:

  • Legal
  • Sales
  • Procurement
  • Finance
  • HR

This makes it a true business-wide contract and document management platform.

Fortva Avatar

Fortva is an AI-powered document management and contract lifecycle management (CLM) platform helping modern enterprises take control of their contracts—from creation to renewal. Built for HR, legal, procurement, sales, and finance teams, Fortva combines intelligent automation, contract analytics, and workflow orchestration to eliminate bottlenecks and reduce risk. With advanced capabilities like AI-driven extraction, conversational search, and smart negotiation insights, Fortva transforms contracts into strategic business assets.

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