Yea, I had Croatia as my pick for biggest disappointment for this Euro.
Even though I don't rate England, the difference was clear between their group stage match and their 2018 World Cup game. England have refreshed with young talents like Mount, Foden and Sancho having come into the fold of a generally improved squad.
Meanwhile for Croatia, leaders and veterans like Mandzukic, Corluka, Subasic and Rakitic have all retired and not been replaced sufficiently. The other big players like Modric, Perisic, Vida and Lovren are all 3 years older and slower.
Generation issues aside, they've also just hit a real shit patch of form leading into the competition and seem to have carried it into Euro as well. They've only won like 2 out of their last 11 games?