A problem just started happening to all my saved files after 3 years without ever seeing this.  When saving a V4 file and re-opening, all the injected V4 morphs are missing.  I also sometimes get the error message shown above (insufficient memory ... or the PMD file is invalid).  

I have not updated Poser 2012 or my (Mac) OS recently.  The only changes have been additions to my externally stored content library. 

Any suggestions?