The 2001 CIA World Factbook

by United States. Central Intelligence Agency

Monaco:
two equal horizontal bands of red (top) and white; similar
to the flag of Indonesia which is longer and the flag of Poland
which is white (top) and red

Mongolia:
three equal, vertical bands of red (hoist side), blue, and
red; centered on the hoist-side red band in yellow is the national
emblem ("soyombo" - a columnar arrangement of abstract and geometric
representation for fire, sun, moon, earth, water, and the yin-yang
symbol)

Montserrat:
blue, with the flag of the UK in the upper hoist-side
quadrant and the Montserratian coat of arms centered in the outer
half of the flag; the coat of arms features a woman standing beside
a yellow harp with her arm around a black cross

Morocco:
red with a green pentacle (five-pointed, linear star) known
as Solomon's seal in the center of the flag; green is the
traditional color of Islam

Mozambique:
three equal horizontal bands of green (top), black, and
yellow with a red isosceles triangle based on the hoist side; the
black band is edged in white; centered in the triangle is a yellow
five-pointed star bearing a crossed rifle and hoe in black
superimposed on an open white book

Namibia:
a large blue triangle with a yellow sunburst fills the
upper left section and an equal green triangle (solid) fills the
lower right section; the triangles are separated by a red stripe
that is contrasted by two narrow white-edge borders

Nauru:
blue with a narrow, horizontal, yellow stripe across the
center and a large white 12-pointed star below the stripe on the
hoist side; the star indicates the country's location in relation to
the Equator (the yellow stripe) and the 12 points symbolize the 12
original tribes of Nauru

Navassa Island:
the flag of the US is used

Nepal:
red with a blue border around the unique shape of two
overlapping right triangles; the smaller, upper triangle bears a
white stylized moon and the larger, lower triangle bears a white
12-pointed sun

Netherlands:
three equal horizontal bands of red (top), white, and
blue; similar to the flag of Luxembourg, which uses a lighter blue
and is longer