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I have a Mac Catalina Version 10.15.4. Elements 2020 is compatible with Version 10.15 - is that the same as 10.15.4?
Yes. Elements is compatible with the 10.15 operating system including minor version updates: so 10.15.1, 10.15.2, 10.15.3, 10.15.4 and so on.
It's usually written in shorthand: 10.15.x which includes all minor version updates..