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Which Scenario are you playing?
 
Turn auto save on to yearly. Then you might get a save that has a reaptable CTD shortly after loading.

This is a list of top things to do to avoid random crashes:
1) Rename the AVI folder to AVI_back.
2) Set color depth to 16BIT.
3) Turn off all programs running in the back ground, like virus protection, ICQ/Messager ...
 
What patch level do you have installed?