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ITV's news report following the loss said that "Croatia aren't a great side", a lot of their pundits thought they'd win fairly easily including Ferdinand who said it would be "straightforward".
I saw a lot of hubris at the World Cup when they only actually beat 3 sides despite not playing that well, scraping past one of those in Tunisia. They lack a proper playmaker in that side, I wonder what they'd give for Aaron Ramsey to be in the middle