Terry said: “We worked on the formation for nine or 10 days solid and the manager asked if we were comfortable with it.
“No-one had a problem with it – we all played with it and we said we were comfortable with it in the week.
“We take the loss as a team. It’s no-one’s fault – especially not the manager’s. There are no regrets.
“Croatia came at us and we expected them to sit back and keep the ball – but their wing-backs pressed on and forced us deeper and deeper.
“We came in after the first half quite disappointed we weren’t a goal up – we thought we were doing okay.
“We said coming here after only getting a point at the weekend it was imperative to come here and get a win.
“We haven’t and we’ve put ourselves in a difficult position – but we can’t wait to go again.”