Number count covariance terms: numerical matrix (shaded areas, representing the 1σ region), analytical model with power spectrum monopole (solid lines), and model with effective power spectrum (see Eq. (31), dashed lines). The colour-coded terms represent different components: Grey is for diagonal shot-noise; blue is for diagonal sample variance; red and yellow are for the first and second off-diagonal sample covariance between mass bins, respectively; and green is for the first off-diagonal sample covariance in redshift bins.