Since you have activated no mods, and presumably have not changed your computer or settings, I suspect one of the hundred of thousands of files has become corrupted.
If so, the only answer in to reinstall, but save your SH3 folder for saved games; rename it before the reinstall and then name it back to SH3.
After you reinstall, burn the SHIII folder to a DVD, which makes a reinstall a snap, as you just need to copy it back.
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Irish1958
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