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I own Mathcad 8, 13, and 14, never used. I now want to use M14, on a Dell XPS desktop running Win10. Can I do this or do I need to drop back to Win7 or XP?
You should not need to drop back. Mathcad 14 should install and run under Win10 (32 or 64 bit) with no problems, provided that the prerequisites are there.
Have a look here to find out what you need and what could go wrong: MathCad 14 failure to start