three equal horizontal bands of red (top), white, and blue - the Pan-Slav colors - superimposed by the Croatian coat of arms
the coat of arms consists of one main shield (a checkerboard of 13 red and 12 silver (white) fields) surmounted by five smaller shields that form a crown over the main shield
the five small shields represent five historic regions (from left to right): Croatia, Dubrovnik, Dalmatia, Istria, and Slavonia note: the Pan-Slav colors were inspired by the 19th-century flag of Russia
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