Patch 1.09b seems to have solved the non-loading problem - at least for today. I have started, saved, quit and re-started four or five times with no problems encountered.
Thanks for your continuing efforts to resolve this problem.
The 1.09a patch has not resoved the "lock-up" upon starting the game.
I'm using Vista, have downloaded new Nvidia drivers. The game did start once. But the other suggestions, including re-booting the computer don't work for me.