Croatia are massively underrated. Lovren, Modric, Rakitic, Mandzukic (although out of this game)... they have a great spine to the team. Each of those 4 players would easily get into the England team. I think it'll either be a draw or a one goal victory for the hosts.
My word, there is so much to remember with all these prediction competitions that I've had to make comprehensive notes in my diary to remember. Still, I can think of worse ways to spend these barren pre-season weeks.