Tony In which American state did your surnames settle ? The surnames Zugaj bearers seem to have settled in PA. Villages of Topusko, Ponikvari, and Gredani/Gredjani are located 33-36 miles south of Zagreb, Croatia. The Croatian telephone directory lists 1 surname Zugaj under Topusko. American Ship manifests are full of misspelled and mistranscribed surname spellings. There was room for misunderstood names and just plain transliteration errors. The main cause of name distortion was the inprecision in trying to represent spoken sounds (in various foreign languages) into written formats. For example, in Hungarian, German, and Slavic languages the letter j is pron. y. (H) Jó = yoh (Cr) Jugoslavija = Yugoslavia (G) Ja = yah Good luck ! Buona fortuna ! (Ital) Bonne chance ! (Fre) Buena suerte ! (Spa) Boa sorte ! (Por) Viel Glück ! (Ger) Minden jót ! (Hun) Dobra srec'a ! (Cro) Veliko srec^e ! (Slo) Velá s^tátia ! (Sk) Hodne^ s^te^stí ! (Cz) Powodzenia ! (Pol) >< e J| a |o y c || e x a ! (Cyrillic) zh i l a yu o s p e h a (Rus) v Frank Kurcina