If you have an old version of Hallmark Card Studio and recently upgraded to Windows 10, you might be running into the following error when launching the program. The specific program I ran into this with was Hallmark Home Card Studio version 22/hcs.
A problem was encountered accessing the SQL database. Exception: Unable to load the native components of SQL Server Compact corresponding to the ADO.NET provider of version 8080. Install the correct version of SQL Server Compact. Refer to KB article 974247 for more details