<?xml version="1.0" encoding="utf-8"?>
<text>
<s id="1">
 <w id="w1.1">AUTHORS</w>
</s>
 
<s id="2">
 <w id="w2.1">Hrvoje</w> 
 <w id="w2.2">Arbutina</w>
 <w id="w2.3">,</w> 
 <w id="w2.4">DSc</w>
 <w id="w2.5">,</w> 
 <w id="w2.6">took</w> 
 <w id="w2.7">his</w> 
 <w id="w2.8">first</w>
 <w id="w2.9">,</w> 
 <w id="w2.10">master</w>
 <w id="w2.11">'s</w> 
 <w id="w2.12">and</w> 
 <w id="w2.13">doctoral</w> 
 <w id="w2.14">degrees</w> 
 <w id="w2.15">at</w> 
 <w id="w2.16">the</w> 
 <w id="w2.17">Faculty</w> 
 <w id="w2.18">of</w> 
 <w id="w2.19">Law</w>
 <w id="w2.20">,</w> 
 <w id="w2.21">Zagreb</w>
 <w id="w2.22">.</w>
</s>
 
<s id="3">
 <w id="w3.1">He</w> 
 <w id="w3.2">is</w> 
 <w id="w3.3">Associate</w> 
 <w id="w3.4">Professor</w> 
 <w id="w3.5">at</w> 
 <w id="w3.6">the</w> 
 <w id="w3.7">Department</w> 
 <w id="w3.8">of</w> 
 <w id="w3.9">Financial</w> 
 <w id="w3.10">Law</w> 
 <w id="w3.11">and</w> 
 <w id="w3.12">Financial</w> 
 <w id="w3.13">Science</w> 
 <w id="w3.14">at</w> 
 <w id="w3.15">the</w> 
 <w id="w3.16">Faculty</w> 
 <w id="w3.17">of</w> 
 <w id="w3.18">Law</w> 
 <w id="w3.19">in</w> 
 <w id="w3.20">Zagreb</w>
 <w id="w3.21">.</w>
</s>
 
<s id="4">
 <w id="w4.1">Before</w> 
 <w id="w4.2">his</w> 
 <w id="w4.3">current</w> 
 <w id="w4.4">employment</w>
 <w id="w4.5">,</w> 
 <w id="w4.6">he</w> 
 <w id="w4.7">worked</w> 
 <w id="w4.8">in</w> 
 <w id="w4.9">the</w> 
 <w id="w4.10">insurance</w> 
 <w id="w4.11">company</w> 
 <w id="w4.12">Croatia</w> 
 <w id="w4.13">osiguranje</w>
 <w id="w4.14">.</w>
</s>
 
<s id="5">
 <w id="w5.1">He</w> 
 <w id="w5.2">has</w> 
 <w id="w5.3">also</w> 
 <w id="w5.4">taken</w> 
 <w id="w5.5">part</w> 
 <w id="w5.6">in</w> 
 <w id="w5.7">a</w> 
 <w id="w5.8">considerable</w> 
 <w id="w5.9">number</w> 
 <w id="w5.10">of</w> 
 <w id="w5.11">scientific</w> 
 <w id="w5.12">research</w> 
 <w id="w5.13">projects</w>
 <w id="w5.14">.</w>
</s>
 
<s id="6">
 <w id="w6.1">Predrag</w> 
 <w id="w6.2">Bejakovic</w>
 <w id="w6.3">,</w> 
 <w id="w6.4">DSc</w>
 <w id="w6.5">,</w> 
 <w id="w6.6">took</w> 
 <w id="w6.7">his</w> 
 <w id="w6.8">doctorate</w> 
 <w id="w6.9">from</w> 
 <w id="w6.10">the</w>