George,
Good advice a UPS is a must, but not all outages are power failures, so I recommend you also check on your program options, most have an 'autosave' function and you can set the interval between automatic saves, mine are set to betwen 10 and 5 mins, so that would be the most I can lose on a system crash or outage.
On reboot it will just 'auto recover'to the last save.
Julian
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