Are you using alt-tab at all or have other apps running in the background? BG really does NOT like to be alt-tabbed. Occasionally I forget (usually after a long time when I haven't saved). Even though you can't get back to the game (get the dialog error box) you can still hear the music - what I normally do is quicksave then end task on the game. No easy way back for me, perhaps others have more insight.
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