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Well first of all avoid the patronising comments saying did you turn it off whilst it was saving.
I was playing FM this morning and saved my game, all was fine and good and I continued another day just to check it was working and then whilst on my game status screen the computer was turned off at the mains, so why I came back to find this message: not well formed at line 1 of last saved game.xml
I've never seen this message before, even when I have had saves crash before because the PC has crashed during the save process, so its left me a bit bemused.