The next time it happens move your laptop save game that won't load to your desktop. If it loads on your desktop it probably means the save game isn't corrupted and your laptop drive needs to be defragmented.
If it doesn't work on your desktop either then you have an issue. Could be software related (FM itself, a program FM uses when it loads, a program on your laptop interfering with the saving process, a program on your laptop interfering with FM when it runs and corrupting it) or hardware related (bad memory, bad sectors of the hard drive).
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