As I understand it, by summer 1995 it was pretty much a given that the safe-areas in the east would fall. The muslim government pretty much knew this (thus evacuated their generals) and relied on retaining the towns by involving the UN.
I believe the Serb leadership pretty much knew krajina was gone by then as well.
didn't all but 2 "safe havens" fall?
damn - didn't realize how many times I wrote "pretty much" in that last post :)