<?xml version="1.0" encoding="UTF-8"?><xml><records><record><source-app name="Biblio" version="7.x">Drupal-Biblio</source-app><ref-type>5</ref-type><contributors></contributors><titles><title><style face="normal" font="default" size="100%">Fotova Cikovikj, KaterinaandCvetkoska, VioletaandMitreva, Mila(2026)&lt;em&gt;Are Croatian Insurance Companies Meeting the Efficiency Frontier?&lt;/em&gt;In: Economic Resilience and Sustainability. Springer Proceedings in Business and Economics (SPBE), pp. 177-199. I</style></title></titles><dates><year><style  face="normal" font="default" size="100%">2026</style></year></dates><language><style face="normal" font="default" size="100%">eng</style></language></record></records></xml>