i recently had Civ 4 start refusing to load. I get that message that says to insert the correct disk, but it is the correct disk (disk 1). It is the same disk i have been using since the game came out and I discovered that it was the correct disk. I play this game nearly every day. Two days ago i ran a complete virus and spyware scan. It found several. I cleaned them out and when I went to play the game it wouldn't work. I had the same problem with Sid Meiers Railroads. When I spoke to someone about that they told me how to go into the properties menu and set the compatibility setting to windows 2000 and this did the trick. i checked Civ's and is was already on windows 2000. This has really got me frustrated. I am in the middle of a PBM game and can't send back the next turn.