<?xml version="1.0" encoding="utf-8"?><mads xmlns="http://www.loc.gov/mads/" xmlns:mods="http://www.loc.gov/mods/v3" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.loc.gov/mads/
	mads.xsd"><authority><topic authority="https://denis-kos.from.hr/vocab/">financijska pismenost</topic></authority><related type="broader"><topic>informacijski odgoj i obrazovanje</topic></related><variant type="other"><topic>financial literacy</topic></variant> <note xml:lang="en-EN">&lt;p&gt;&lt;a href=&quot;https://hrcak.srce.hr/file/206644&quot;&gt;https://hrcak.srce.hr/file/206644&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1498674&quot;&gt;https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1498674&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;https://www.cambridge.org/core/journals/journal-of-pension-economics-and-finance/article/abs/financial-literacy-around-the-world-an-overview/0488F901318E0FBC4C92DC6E964AB89C&quot;&gt;https://www.cambridge.org/core/journals/journal-of-pension-economics-and-finance/article/abs/financial-literacy-around-the-world-an-overview/0488F901318E0FBC4C92DC6E964AB89C&lt;/a&gt;&lt;/p&gt; </note></mads>