What is the Renewals & Applications page for?

One list of everything across the companies that expires and must be re-applied for — a registration on Company Structure, an accreditation HR holds, an insurance policy, the company data a tender asks for — with a status for each and the actions that move it: start the renewal, tick off the checklist, mark it submitted, record what was granted. Due in 90 days opens first. Insurance renewals are run on Accounts → Insurance and only listed here; a company's own slice is the Renewals tab of its workspace. You enter: The action on a row: Start renewal, Mark submitted, Awaiting assessor, Granted (the new number, its expiry and a link to the certificate), Lapsed, Not renewing, or Reopen; Details & checklist: the application steps ticked off, the assessor or body, a contact, the cost and the owner who is reminded — plus notes; Checklists: the steps a renewal starts with, per scheme, one per line; a new renewal copies them, one already started keeps its own. Saral fills: The list itself, read from the registrations with an expiry date, HR's accreditations and the insurance register — nothing is typed twice; an item it could not read is named at the top rather than silently missing; Status from the date: Current, Due inside the 90-day window, then the stage you set; Days to go, overdue in red; the checklist progress; Reminders at 90, 60, 30 and 7 days before the due date to the owner — or to Admin and Accounts when no owner is set. It produces: The renewed number and expiry written back onto the registration it belongs to; an accreditation's new certificate is recorded in HR → Accreditations, which holds it; A history line for every action, visible under Details & checklist. Where the settings live: The application checklists are edited here under Checklists. The 90-day window and the reminder thresholds are the code defaults. The registrations themselves are added on each company's workspace in Company Structure; accreditations and their autopilot on HR → Settings → Accreditations; policies on Accounts → Insurance.