The trace file may be able to tell us something if you check it immediately after a crash - to enable it, on the start menu go to settings, troubleshooting, and then click on "enable debug trace." Then, if you get a crash, before re-starting the game (which will clear the file's contents), go to the \debug folder in your FHM data folder (Documents\Out of the Park Developments\Franchise Hockey Manager 4\debug in Windows), open the fhm_trace.txt file, and post the contents (or the file itself) here.
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