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The Navy's "Zero Tolerance" policy primarily pertains to harassment and discrimination. This policy emphasizes the Navy's commitment to creating an inclusive environment where all personnel are treated with dignity and respect. It aims to eliminate any forms of harassment and discrimination based on race, gender, sexual orientation, religion, or other protected characteristics. By enforcing a zero tolerance stance, the Navy seeks to deter and address any behaviors that undermine team cohesion, morale, and overall mission effectiveness. This kind of proactive approach is essential in ensuring that all service members can perform their duties without fear of harassment or unjust treatment.

While the other options, such as financial misconduct, substance abuse, and operational safety, are also critical areas of conduct within the Navy, they do not specifically fall under the "Zero Tolerance" designation as it is explicitly applied to issues of harassment and discrimination.