Sunday, November 11, 2012

Claims Team Lead - Workers Compensation - Insurance Claims Jobs

Claims Team Lead
Workers Compensation

CLAIM YOUR FUTURE AS A GREAT PERFORMER!

Providing both satisfying and challenging work along with a highly professional and friendly work atmosphere, Sedgwick has a strong commitment to its colleagues and its clients. If you are seeking place where you can do great things for those whose lives you touch while maximizing your own career possibilities, Sedgwick is the place for you. As the largest and most innovative Third Party Administrator in the claims industry and the first and only TPA to receive both recognition as the Best TPA in America and the coveted Employer of Choice designation, we invite you to come be a part of our team and, ?Claim Your Future.?

PRIMARY PURPOSE : To supervise the operation of multiple teams of examiners and technical staff for workers compensation for clients; to monitor colleagues' workloads, provide training, and monitor individual claim activities; to provide technical/jurisdictional direction to examiner reports on claims adjudication; and to maintain a diary on claims in the teams including frequent diaries on complex or high exposure claims.

ESSENTIAL FUNCTIONS and RESPONSIBILITIES


  • Supervises multiple teams of examiners, multiple product line examiners and/or several (minimum seven) technical operations colleagues for a wide span of control; may delegate some duties to others within the unit.
  • Identifies and advises management of trends, problems, and issues as well as recommended course of action; informs management of new procedures and ideas for continuous process improvement; and coordinates with management projects for the office.
  • Provides technical/jurisdictional direction to examiner reports on claims adjudication.
  • Compiles, reviews and analyzes management reports and takes appropriate action.
  • Performs quality review on claims in compliance with audit requirements, service contract requirements, and quality standards.
  • Acts as second level of appeal for client and claimant issues regarding claim specific, procedural or special requests; implements final disposition of the appeal.
  • Reviews reserve amounts on high cost claims and claims over the authority of the individual examiner.
  • Monitors third party claims; maintains periodical review of litigated claims, serious vocational rehabilitation claims, questionable claims and sensitive claims as determined by client.
  • Maintains contact with the client on claims and promotes a professional client relationship; makes recommendations to client as suggested by the claim status; and provides written resumes of specific claims as requested by client.
  • Assures that direct reports are properly licensed in the jurisdictions serviced.
  • Ensures claims files are coded correctly and adequate documentation is made by claims examiners.
  • ADDITIONAL FUNCTIONS and RESPONSIBILITIES


  • Performs other duties as assigned.
  • Supports the organization's quality program(s).
  • SUPERVISORY RESPONSIBILITIES


  • Administers company personnel policies in all areas and follows company staffing standards and training recommendations.
  • Interviews, hires and establishes colleague performance development plans; conducts colleague performance discussions.
  • Provides support, guidance, leadership and motivation to promote maximum performance.
  • QUALIFICATIONS

    Education & Licensing
    Baccalaureate degree from an accredited college or university preferred. Licenses as required. Professional certifications as applicable to line of business preferred.

    Experience
    Six (6) years claims experience including two ( 2) years claims supervisor experience with the company required.

    Skills & Knowledge


    • Thorough knowledge of claims management processes and procedures for multiple product lines
    • Excellent oral and written communication, including presentation skills
    • PC literate, including Microsoft Office products
    • Leadership/management/motivational skills
    • Analytical and interpretive skills
    • Strong organizational skills
    • Excellent interpersonal skills
    • Excellent negotiation skills
    • Ability to work in a team environment
    • Ability to meet or exceed Performance Competencies

    WORK ENVIRONMENT
    When applicable and appropriate, consideration will be given to reasonable accommodations.

    Mental: Clear and conceptual thinking ability; excellent judgment, troubleshooting, problem solving, analysis, and discretion; ability to handle work-related stress; ability to handle multiple priorities simultaneously; and ability to meet deadlines

    Physical: Computer keyboarding, travel as required

    Auditory/Visual: Hearing, vision and talking

    NOTE : Credit security clearance, confirmed via a background credit check, is required for this position .

    The statements contained in this document are intended to describe the general nature and level of work being performed by a colleague assigned to this description. They are not intended to constitute a comprehensive list of functions, duties, or local variances. Management retains the discretion to add or to change the duties of the position at any time.

    Sedgwick is an Equal Opportunity Employer

    and a

    Drug-Free Workplace


    Additional Information: State Jurisdictions or Licenses Required:
    Texas; Colorado; Oklahoma; Louisiana
    Requisition #: 10824

    Source: http://jobs.insuranceclaimsweb.com/c/job.cfm?site_id=1635&jb=11372949

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    Saturday, November 10, 2012

    Video: Have Treasury Yields Hit Rock Bottom?

    Sorry, Readability was unable to parse this page for content.

    Source: http://video.msnbc.msn.com/cnbc/49762171/

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    Social Republicans vs. Social Democrats: Who's the Social Media ...

    During the 2012 presidential election, many social media experts were speculating about the role of social media in the path and outcome of the race. Some went as far to call the election for Obama based on the fact that his campaign appeared to focus more on social media marketing than Romney?s.

    How do we know if the use of social media helped Barack Obama win a second term? Well, that would require massive amounts of research that I have not done. In the meantime, we can assess the use of social media by each candidate and learn from their mistakes in a fun themed list. Hooray!

    If you use social media for your business, you?ve probably read several lists outlining the ?deadly sins? of social media use. There are certainly plenty out there to find. That?s why I?ve compiled my own list of some of the most commonly mentioned sins so that we might explore which 2012 presidential candidate committed more of these crimes.

    Now that we know the winner, who was more of a social media sinner?

    #1 ) Too Much Selling

    One of the worst things you can do with your social media account is use is purely for sales. Constant posts about how great you are and why we should buy your products are the best way to annoy your fans and drive them away. Both candidates do their fair share of selling themselves. On each Facebook page, they balance the selling points with fun bits such as pictures taken on the campaign trail and family photos. Once you get on Twitter, the difference between the candidates is striking. While Obama?s Twitter includes fun photos and, closer to Election Day, informational resources for voters, Romney?s page is post after post of campaign slogans.

    Sinner: Mitt Romney

    #2 ) Account Neglect

    This is a very common sin. Creating a social media account and then doing nothing with it can actually damage your online reputation. Both candidates were active with the big boys - Facebook and Twitter. With social media?s favorite up and comer Pinterest, we see this sin on both sides. However, Romney is much more guilty, with only 79 pins across 11 board on his account. Obama has 238 pins across 13 boards. However, Obama is guilty of neglecting the Internet?s most misunderstood social media platform: Google+. There?s a huge gap in posts in the month before the election - a serious sin on a platform that boasts over 100 million active users.

    Sinner: Both

    #3 ) Account Saturation

    The only thing more annoying than constant sellers is spammers. If you post too much as a business, people will think you?re desperate for attention and soon grow tired of you clogging their feed, leading to unfollows and unlikes. This rule doesn?t apply as much if you?re a well respected individual or corporation who is known for providing accurate information. Keep in mind that a small business should not post as much as these two did. However, the Obama campaign might be seen as guilty on their Twitter account., where dozens of posts each day were the norm. Often they would end up live tweeting Obama?s speeches word for word. Seems like a live video would have been more efficient and less irritating. They also go a little overboard on the Tumblr account.

    Sinner: Barack Obama

    #4 ) Non-Engagement

    The main reason that all checkout cashiers at grocery stores haven?t been replaced by self-checkout robots is because customers like to interact with real people. The more you remind your fans that your social media accounts are run by human beings, the better off you?ll be. Responding to comments, retweeting follower tweets, and liking/favoriting things they say are important customer engagement habits. Again, the difference can be seen on the Twitter accounts. The Obama campaign got into the habit of retweeting their follower?s tweets - not only the ones endorsing Obama, but posts asking friends to go out and vote in general. Romney?s Twitter history contains nothing but Romney?s face.

    Sinner: Mitt Romeny

    #5 ) Just Posting Words

    A picture is worth a thousand words. And a video is worth a thousand pictures. Since you don?t want to post too much, you need to be efficient with your posts - choose only those that maximize engagement. The experts have found time and time again that posts with videos are the best, followed by pictures, followed by links, and simple text is the worst. Obama often posts straight up text without an accompanying picture or link on Twitter, while Romney almost always has a link to another page, or at least utilizes the hashtag. Romney also has more videos posted on both his Twitter and Facebook page in the month of October.

    Sinner: Barack Obama

    #6 ) Negativity

    Again, this is a little different in a political campaign. You have to expect some negativity. However, in political campaigns and in business, people respond better to positive messages than to negative ones. Businesses should avoid disparaging comments about competitors, should not under any circumstances antagonize people with complaints, and generally remain positive about any and all events and individuals. While Obama outpaces Romney a bit on the negative Facebook comments, Romney?s Twitter account is far more negative, dedicating an entire hashtag to Obama?s flaws.

    Sinner: Mitt Romney

    #7 ) Poor Design

    This is the one people forget about. Social media accounts are customizable, and good design is always important. Half the reason to have a social media account is for brand awareness, so you need to have a prominent logo on each account and utilize your logo colors on each page. The Obama campaign does this well, using blue colors when possible and making the distinct Obama logo one of the first things you notice on each page. With the Romney accounts, half the time his logo is hidden in a corner of a picture of himself, and the design falls flat on YouTube, Facebook, and Tumblr.

    Sinner: Mitt Romney

    The score comes to four Romney sins, two Obama sins, and one tie - making the social media sinner the election loser. While there are thousands of factors to consider when trying to figure out how an election was won, the fact that both candidates spent so much effort on so many accounts will tell you that there are at least two people who think it?s an essential aspect of a political campaign. And if you need it to become president, you need it in your business.

    Authored by:

    Lindsey Weedston

    Lindsey Weedston is a Web Content Writer for eCommerce Positioning - an internet marketing company staffed with SEO, design and social media gurus located in Lynnwood, WA.?

    eCommerce Positioning Mission:?Our goal is to provide exceptional SEO services and products to businesses, individuals and anyone looking to solidify their position online. People are searching for you and we are here to ...

    See complete profile

    Source: http://socialmediatoday.com/lindsey-weedston/986801/social-republicans-vs-social-democrats-who-s-social-media-sinner

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    Is Eating the Same Foods Daily Healthy - Shape Magazine

    Q: I have pretty much the same thing every day for breakfast and lunch. Am I missing out on nutrients by doing this?

    A: Eating similar meals day in and day out is a valuable and effective strategy for successful long-term weight maintenance, but yes, this type of diet may have nutritional gaps.?

    Research shows that people who successfully slim down and then stay at their new weight tend to eat comparable things each day. I have also found this to be true with my own clients. Other than the ones who have private chefs, everyone repeats multiple meals throughout the week.

    It?s not that you can?t lose weight on a varied diet; it just requires more planning and preparing, and in my experience, the greater the ?dietary effort? people need to exert, the lower their chance of long-term success.

    To keep the effort low and the nutrition high, follow these three tips. (Bonus: This advice will also head off taste bud boredom.)

    1. Try something new every week.
    Cooking one meal and then eating it several times throughout the week is a strategy that I use with my diet. (Check out some of my favorite cook-once recipes.) The trick is to switch up one meal each week.

    Let?s say Sunday is when you make a large dish that you then have for lunch Monday through Friday. The workweek is when people are the most time-crunched and need a consistent nutrition rhythm, so keep to your cooking schedule, but prepare something different every Sunday. By just changing your lunch, you are introducing 25 percent more variety into your diet.

    2. Tweak your standard meals.
    Upgrading your go-to dishes is another simple way to diversify without breaking your rhythm. All you need to do is swap out an ingredient or two for similar but nutritionally different ones.

    For example if you always have a fruit and nut smoothie for breakfast, rotate the fruits (strawberries, blueberries, pineapple, banana, etc) and nuts (almonds, cashews, walnuts, etc).

    Or if you usually have a green salad with chicken for lunch, use different greens (spinach, lettuce, arugula, etc) and protein sources (chicken, salmon, tuna, etc).

    This will give you nutritional variety without changing the meal so much that it causes you to deviate from your routine.

    3. Pop a multi.
    I recommend that all of my clients take a multivitamin each day. A supplement isn?t going to make drastic improvements to your diet, but it will help you fill in any deficits in essential vitamins and minerals. If you are eating the same thing most days, then your menu might be low in micronutrients such as zinc or manganese, and a multivitamin can help fill these small nutritional gaps so that you don?t have a problem.

    Whatever changes you decide to make regarding your dietary variety, make them slow and don?t sacrifice these kinds of changes for the ultimate goal of excellent adherence.

    Source: http://www.shape.com/healthy-eating/diet-tips/ask-diet-doctor-it-ok-eat-same-thing-every-day

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    Friday, November 9, 2012

    Invisalign Austin clinics can solve your orthodontic problems ...

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    Invisalign is one of the teeth straightening techniques that have gained huge popularity in recent times. This particular technique is mostly tried out by the teens and adults. If you are wondering about which particular teeth straightening method to try out, the traditional method or Invisalign, ensure that you are well acquainted with both the options. If you are planning to go for Invisalign, ensure that you approach a good Invisalign Austin dentist. Along with Invisalign, you can also opt for teeth whitening. You can approach an Austin teeth whitening clinic to fulfill your purpose.

    ?

    Gone are the days when teeth straightening was a painful process because of the use of the hard metallic braces. With the introduction of the highly advanced Invisalign treatment, the process of teeth straightening has become easier. In this dental treatment, invisible aligners are placed on the teeth and they can be easily taken out when necessary. The Invisalign aligners are transparent and people would not understand that you are wearing braces. You can remove these aligners and comfortably eat, chew and drink. The aligners do not cause any irritation in the mouth. It is important to visit a good Invisalign Austin clinic or a reputed Austin teeth whitening center to ensure that your aligners are properly adjusted.

    ?

    Now, let us discuss about the way Invisalign works. An Invisalign Austin expert makes use of the latest 3D computer imaging technology to prepare a complete treatment plan. After that, he makes clear aligners to suit your teeth. Each aligner works for some weeks after which they are replaced by a new aligner. There are many Austin teeth whitening clinics that have dentists specialized in Invisalign.

    ?

    But, the question is: is Invisalign painful?? Invisalign is not painful. However, you might experience discomfort in the first few days after Invisalign treatment. An adult or a teen can try out Invisalign. However, the individuals who still have milk teeth cannot try out this teeth straightening technique.? You can contact an Austin teeth whitening center to know if you are a suitable person for Invisalign.

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    The dentists offering Invisalign treatment need to have proper training and experience in executing Invisalign. To be on the safe side, it is always important to approach an experienced Invisalign Austin dentist.

    ?

    How long your Invisalign treatment will take will depend on how serious your case is. The time duration of such treatment can range from 9 to 15 months. You can easily see the improvement during the treatment. The cost of the treatment might appear to be high, but the effective results will be worth the money invested in this treatment.

    There are many people who believe that Invisalign treatment is ideal for treating minor orthodontic issues. However, there is no solid ground for making such assumption. Invisalign, in reality, can treat a range of orthodontic problems like irregular alignment, underbites, jaw problems and overcrowded teeth. You can consult an experienced dentist to get a clear idea about what type of results you can expect after Invisalign treatment.

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    Are you planning to undergo an Invisalign treatment to rectify your orthodontic problems? If so, you can reach out our Invisalign Austin clinic and consult our expert dentists. Our Austin teeth whitening center has some of the best cosmetic dentists in the United States.

    ?

    Source: http://articlepdq.com/health-fitness/alternative-medicine/invisalign-austin-clinics-can-solve-your-orthodontic-problems/

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    Spotlight Interview With Electro Pop Artist BAKER - Celebrity News ...

    He?s sexy, he?s smart (?went to Harvard!) and he makes music that will make you get on your feet and dance. Meet?BAKER. The hottest new face in the world of Electro Pop music.?Micah Jesse caught up with Baker:

    Describe to me when you first knew you wanted to make music. What was it about making music and/or performing that attracted you?
    When I was 8 years old at summer camp, it was my counselor?s idea for all of us to perform ?Stand By Me? for the other groups. I remember the counselor loved my voice so much she put the microphone right in front of me, so even though everyone was singing, the crowd could only hear me. And I think on the surface, I enjoyed the attention (I still do) but really it was more about communication. If someone has a voice of their own ? whether that means singing or public speaking or writing, they should develop it and share it.

    - ?to the ?electro pop? genre specifically?

    That?s the style that fit my writing and my voice the best; it was a pretty clear choice right from the start.

    Who do you make music for? Who is your target audience?

    I don?t have one; I?ve been amazed by how many different people of all ages and places and walks of life that have discovered my music, so I hope it only continues to expand.

    KEEP READING FOR MORE FROM MICAH JESSE?S INTERVIEW WITH BAKER!

    Do you remember the first time you heard your song come on the radio or played in a club? Describe that ? feelings, etc.
    Complete shock. I was in a club in New York about 2 years ago and I didn?t believe it. My friends were going insane but I had to walk up to the DJ and look at his screen to make sure it was actually my song before I could be happy too.

    Love your cover of Britney?s ?Hold It Against Me?? Are you team Britney Spears or Christina Aguilera?
    Thanks! And I think there?s room for both of them.

    How would you describe your personal style (fashion)? Favorite brands or stores to shop (NYC and LA)?

    I?m inspired a lot by the 50s but really I just try to wear what fits me and makes me feel comfortable. I go to Topman in New York and I love American Rag in LA.

    List (5) things people don?t know about you:
    I played cello from the ages of 5 to 16
    I don?t eat meat.
    I have about 6 cups of coffee a day
    I never sleep. Ever. (That might be a result of #3 right?)

    Related Posts Plugin for WordPress, Blogger...

    Source: http://micahjesse.com/music/spotlight-interview-with-electro-pop-artist-baker/

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    Thursday, November 8, 2012

    Claire Langham's EDM310 Blog: Special Blog Assignment

    A World Where Grades Will Be Left Behind In celebration of its 30th anniversary, USA TODAY interviewed some of the USA's greatest visionaries to talk about the world of tomorrow. Mary Beth Marklein published the article "A World Where Grades Will Be Left Behind" to discuss just what the title implies: what would the world be like if there were no grades? In the article, USA TODAY interviewed Sebastian Thrun, a Google Vice President and Stanford research professor best known for his role in building Google's driverless car. Thrun's idea of an educational reform is described in his version of learning, which he says can be made free and available to anyone who wants it. Thrun is the owner of Udacity, which is an education company based in California that provides a higher education for free. Udacity's goal is to offer a university-level education of high quality and low cost. Using the economics of the Internet, they claim to have connected some of the greatest teachers to hundreds of thousands of students all over the world. In Thrun's version of education, he explains a few key concepts: no one will be late for class, failure is not an option, and lessons are made to look like games, such as the popular physics-based puzzle game "Angry Birds." The whole vision of Udacity came to Thrun after he had the opportunity to teach a free online artificial-intelligence course that drew more than 160,000 students. This experience was so profound to him that he announced he no longer could teach in a traditional Stanford classroom. Thus, Udacity was born, and Thrun began his mission to revolutionize education. He made reference to the concept of "flipping the classroom," which occurs when students watch a video at home and come to class ready with questions to be answered by the teacher. Thrun explains how both online learning and flipping the classroom are made possible through technology, and because of these two concepts, classes will involve a sequence of increasingly more challenging exercises and quizzes aimed at helping students master a particular concept or skill. Thrun calls grades "the failure of the education system," so therefore, he intends to eliminate them completely. Instead, students will take as much or as little time as they need to demonstrate mastery of a particular skill or concept. This type of online education will be free, but related services may involve a fee. All in all, Thrun hopes to democratize education through technology. As I was reading this article, the message Mr. Thrun described seemed really cool and much more innovative than the education we see in many classrooms today. As I thought about it and looked at it more closely though, this type of educational reform raises a sense of skepticism. Yes, a free education where you get to play games on the Internet and learn at your own pace sounds great, but in reality, is this concept of education truly possible to the magnitude in which Mr. Thrun described? I have my doubts. The first item on his list that seems out of reach is the free part. If the top, most sought-out professors from all around the world are being called upon to teach these online classes, how does the Udacity team plan on paying them a salary? As a future teacher, I'm all about teaching my students because I truly want them to learn and grow, but in reality, I will be seeking a paycheck as well. I'm sure many of the professors Udacity has confronted feel the same way. I understand the students would be charged fees every once and a while, but simple fees would not be enough to pay for the numerous things this operation would call for: the high-tech computers and software that would be needed, the team working on these computers and programs, and as I mentioned earlier, the professors teaching the courses. "Free" sounds great (especially to myself, a poor college kid), but when it comes down to crunching the numbers, money speaks rather loudly. The next item on the list that raises concerns for me is the fact that "a single class might enroll tens, if not hundreds, of thousands of students." I guess this sounds so bizarre to me because I personally like one-on-one contact and time with my teacher. If there are this many people in a single class, how is an instructor suppose to keep up with everything the students are doing? I understand Mr. Thrun's goal is to create an education that will respond to each individual student, but with that many students, I have my doubts. The third item I'd like to talk about is the "no more grades" idea. As a college student myself, this sounds wonderful. As long as I'm understanding the material and learning at my own pace, what do grades matter anyway? Well, as much as I hate to admit it, I think grades, or rather some kind of assessment, is needed. I'm all for students being able to take the time necessary to master concepts and skills, but without some form of assessment, I think students lose some of the responsibility needed to become successful. I don't necessarily think the "A, B, C, D, F" system is the only or best solution for assessment out there, but I do believe teachers should provide students with feedback on how they are progressing in a given class. Normally, that feedback comes through assessment.

    Overall, I really enjoyed reading Mary Beth Marklein's article in USA TODAY because it brought up some really neat ideas for the future of education. Though I don't totally agree with everything Mr. Sebastian Thrun is advocating with the online learning society created by Udacity, I still think he offered up interesting and innovative ideas. I just believe a few things need to be tweaked to make them more realistic and doable. One thing Mr. Thrun and I most certainly agree on is how important technology is for the future and progression of education and for the way we teach our students.

    Source: http://langhamclaireedm310.blogspot.com/2012/11/special-blog-assignment.html

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    Wednesday, November 7, 2012

    Hurricane Sandy Could Claim 200,000 Vehicles

    Cars claimed by Hurricane Sandy

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    Hurricane Sandy continues to have a devastating human cost for victims along the eastern seaboard, but a notable portion of the estimated $20 billion in physical damages has been automotive.

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    While Fisker gained unwanted publicity after 338 of their sedans burned to the ground due to the storm's salt water shorting their batteries, the bigger financial story lies in the estimated 200,000 vehicles that will be written off due to water damage. Approximately 15,000 cars constitute new, unsold stock that will be scrapped by manufacturers, with the difference accounted for by private parties. Needless to say, not all vehicles in question will be dealt with scrupulously; an untold number of water-damaged vehicles will inevitably flood the market, so to speak, causing potential safety and health issues for occupants down the line.

    ?

    While 200,000 vehicles is certainly an arresting number, even more glaring is the estimate from Hurricane Katrina. According Larry Dixon, senior analyst from the National Automobile Dealers Association, the 2005 storm that ravaged the southeast was responsible for destroying approximately 600,000 cars and trucks.

    ?

    Source: Bloomberg

    Source: http://www.popularmechanics.com/cars/news/auto-blog/hurricane-sandys-automotive-cost-could-top-200000-vehicles?src=rss

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    Suspense to the end, Obama, Romney yield to voters

    WASHINGTON (AP) ? Two fierce competitors who've given their all, President Barack Obama and Republican Mitt Romney now yield center stage to voters for an Election Day choice that will frame the contours of government and the nation for years to come.

    After a grinding presidential campaign that packed suspense to the finish, Americans head into polling places in sleepy hollows, bustling cities and superstorm-ravaged beach towns deeply divided. All sides are awaiting, in particular, a verdict from the nine battleground states whose votes will determine which man can piece together the 270 electoral votes needed for victory.

    Obama has more options for getting there. So Romney decided to make a late dash to Cleveland and Pittsburgh on Tuesday while running mate Paul Ryan threw in stops in Cleveland and Richmond, Va. Obama opted to make a dozen radio and satellite TV interviews from his hometown of Chicago to keep his closing arguments fresh in voters' minds.

    Both sides cast the Election Day choice as one with far-reaching repercussions for a nation still recovering from the biggest economic downturn since the Great Depression and at odds over how big a role government should play in solving the country's problems.

    "It's a choice between two different visions for America," Obama declared in Madison, Wis., asking voters to let him complete work on the economic turnaround that began in his first term. "It's a choice between returning to the top-down policies that crashed our economy, or a future that's built on providing opportunity to everybody and growing a strong middle class."

    Romney argued that Obama had his chance and blew it.

    "The president thinks more government is the answer," he said in Sanford, Fla. "No, Mr. President, more jobs, that's the answer for America."

    With both sides keeping up the onslaught of political ads in battleground states right into Election Day, on one thing, at least, there was broad agreement: "I am ready for it to be over," said nurse Jennifer Walker in Columbus, Ohio.

    It wasn't just the presidency at stake Tuesday: Every House seat, a third of the Senate and 11 governorships were on the line, along with state ballot proposals on topics ranging from gay marriage and casino gambling to repealing the death penalty and legalizing marijuana. Democrats were defending their majority in the Senate, and Republicans doing likewise in the House, raising the prospect of continued partisan wrangling in the years ahead no matter who might be president.

    If past elections are any guide, a small but significant percentage of voters won't decide which presidential candidate they're voting for until Tuesday. Four percent of voters reported making up their minds on Election Day in 2008, and the figure was 5 percent four years earlier, according to exit polls.

    By contrast, Election Day came early for more than a third of Americans, who chose to cast ballots days or even weeks in advance.

    An estimated 46 million ballots, or 35 percent of the 133 million expected to be cast, were projected to be early ballots, according to Michael McDonald, an early voting expert at George Mason University who tallies voting statistics for the United States Elections Project. None of those ballots were being counted until Tuesday.

    The two candidates and their running mates, propelled by adrenalin, throat lozenges and a determination to look back with no regrets, stormed through eight battleground states and logged more than 6,000 flight miles Monday on their final full day of campaigning, a political marathon featuring urgency, humor and celebrity.

    Obama's final campaign rally, Monday night in Des Moines, Iowa, was filled with nostalgia. A single tear streamed down Obama's face during his remarks, though it was hard to tell whether it was from emotion or the bitter cold.

    Team Obama's closing lineup included Bruce Springsteen, rapper Jay-Z, singers Mariah Carey, Ricky Martin and John Mellencamp, the NBA's Derek Fisher and actors Samuel L. Jackson and Chris Rock. Springsteen, who hitched a ride aboard Air Force One for part of the day, even composed an anthem for the president, rhyming "Obama" with "pajamas."

    "Not the best I've ever written," the rocker confessed.

    Obama, making his last run for office at the still-young age of 51, was tickled to have Springsteen along as his traveling campaign, telling the crowd in Madison, "I get to fly around with him on the last day that I will ever campaign ? so that's not a bad way to end things."

    Team Romney's closing events offered a slimmer celebrity quotient, including Kid Rock and country rock performers The Marshall Tucker Band. But the GOP nominee didn't seem to mind.

    After a warm welcome at a rally in Fairfax, Va., Romney, 65, told cheering supporters: "I'm looking around to see if we have the Beatles here or something to have brought you. But it looks like you came just for the campaign and I appreciate it."

    Wife Ann Romney addressed the crowd in suburban Washington, too.

    "Are we going to be neighbors soon?" she asked hopefully.

    Ryan alone logged more than 2,500 miles Monday as he hopped from Nevada to Colorado to Iowa to Ohio to Wisconsin.

    At a rally in Reno, Nev., he told voters: "This feels like deja vu, doesn't it? You've seen a few of us around, haven't you?" He'd been at a rally just around the corner on Thursday.

    Vice President Joe Biden crisscrossed Virginia, and fondly recalled his debate with Ryan during a stop in Richmond.

    "You all learned what 'malarkey' means, didn't you?" he said. "Well, I heard a lot of malarkey."

    Just in case everyone wasn't paying attention, Obama and Romney made a play for those tuned in to "Monday Night Football," each making satellite appearances on ESPN that aired during halftime of the Philadelphia Eagles-New Orleans Saints game.

    The forecast for Election Day promised dry weather for much of the country, with rain expected in two battlegrounds, Florida and Wisconsin. But the closing days of the campaign played out against ongoing recovery efforts after Superstorm Sandy. Election officials in New York and New Jersey were scrambling to marshal generators, move voting locations, shuttle storm victims to polling places and take other steps to ensure everyone who wanted to vote could do so.

    Obama, who voted 12 days early, was sure to observe his Election Day ritual of playing pickup basketball with friends and close advisers. The one time he skipped the tradition, he lost the New Hampshire primary in 2008.

    "We won't make that mistake again," said senior adviser Robert Gibbs.

    Romney was voting at a community center near his home in Belmont, Mass., before his sprint to Ohio and Pennsylvania. His campaign released a gauzy 5-minute Election Day web video called "The Moment" replaying key events from the campaign, with Romney assuring voters, "The future is better than the past."

    The election played out with intensity in the small subset of battleground states: Colorado, Iowa, Florida, New Hampshire, Nevada, North Carolina, Ohio, Virginia and Wisconsin. Romney's late move to add Pennsylvania to the mix was an effort to expand his options, and Republicans poured millions into previously empty airwaves there.

    In the campaign's final hours, voters around the country echoed the closing arguments of the two presidential candidates.

    Obama supporter Gary Muratore, of Upper Arlington, Ohio, said Obama had rescued the country "from the brink of economic disaster."

    "And while I don't think the pace of the recovery has been as fast as anyone would like, I think that the only way forward is to keep on the path that he started us down," said Muratore, 62, who attended an Obama rally in Columbus on Monday.

    Romney backer Anastasia Loupakos, voting in Iowa City on Monday, said Romney was "the one to turn our economy around."

    "I can't stand the thought of Barack as president for four more years," she said. "I couldn't stand him spending all of our money. I feel like he's destroying more jobs than he's creating."

    After a long campaign that cost record sums and spawned far more political ads than ever before, Americans were showing fatigue at the end. A Pew Research Center poll released Monday showed 47 percent of Americans followed news about the election closely last week, down from 52 percent a week earlier.

    Attorney John Martin, from Golden, Colo., filled out his mail-in ballot over the weekend. He didn't want to reveal whom he had chosen, but said he'd been "obsessively" watching the election for months.

    Now, he's ready to move on.

    "I'm old enough to be able to live with either outcome," he said.

    Sometimes, it all seemed like overkill.

    Biden stopped in at Mimi's Cafe in Sterling, Va., after a rally nearby. As one family left, a youngster grumbled, "So we came into the restaurant and still didn't get any food."

    ___

    Associated Press writers Ann Sanner in Columbus, Ohio, Nicholas Riccardi in Denver, Colo., Ryan J. Foley in Iowa City, Iowa, Philip Elliott in Beloit, Wis., Jim Kuhnhenn and Julie Pace in Chicago, Kasie Hunt and Steve Peoples in Cambridge, Mass., and Matthew Daly in Wilmington, Del., contributed to this report.

    ___

    Follow Nancy Benac on Twitter: http://www.twitter.com/nbenac

    Source: http://news.yahoo.com/suspense-end-obama-romney-yield-voters-080654405--election.html

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