Here are examples: Biodiversity and sustainable natural resource management— •	 we prohibit financing or investing in industrial activity that degrades important natural habitats Indigenous peoples—•	 when financing projects in indigenous territories, we aim to ensure that the project sponsor or borrower has consulted the affected people International environmental agreements—•	 we will not knowingly finance projects that contravene international environmental legal agreements Mountain top removal mining (MTR)—•	 we will not finance companies for which a predominant portion of their annual coal production is from MTR activities Pollution prevention—•	 we will not knowingly finance projects unless they adhere to local and World Bank standards; have pollution prevention plans; and offer relevant training to environment, health and safety professionals Morgan Stanley includes environmental and social issues as part of the due diligence on transactions.