Modelling firm failure. classically defined as bankruptcy. is problematic in the Croatian business environment since the bankruptcy procedure starts at a very late stage of crisis. when a firm liabilities are higher than assets. https://www.roneverhart.com/Traditional-Karate-Do-Okinawa-Goju-Ryu-Book-1-The-Fundamental-Techniques-by-Morio-Higaonna-Preowned/