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LAST-MODIFIED:20251216T135646Z
UID:10000860-1787562000-1787565600@seniormarketteam.com
SUMMARY:Weekly Watercooler Chat
DESCRIPTION:CLICK HERE TO JOIN!
URL:https://seniormarketteam.com/event/weekly-watercooler-chat/2026-08-24
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2025/03/smt-favicon260.png
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DTSTAMP:20260529T120142
CREATED:20250623T170419Z
LAST-MODIFIED:20251216T135646Z
UID:10000859-1786957200-1786960800@seniormarketteam.com
SUMMARY:Weekly Watercooler Chat
DESCRIPTION:CLICK HERE TO JOIN!
URL:https://seniormarketteam.com/event/weekly-watercooler-chat/2026-08-17
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2025/03/smt-favicon260.png
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DTSTART;TZID=America/Kentucky/Louisville:20260810T090000
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CREATED:20250623T170419Z
LAST-MODIFIED:20251216T135646Z
UID:10000858-1786352400-1786356000@seniormarketteam.com
SUMMARY:Weekly Watercooler Chat
DESCRIPTION:CLICK HERE TO JOIN!
URL:https://seniormarketteam.com/event/weekly-watercooler-chat/2026-08-10
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2025/03/smt-favicon260.png
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CREATED:20250623T170419Z
LAST-MODIFIED:20251216T135646Z
UID:10000857-1785747600-1785751200@seniormarketteam.com
SUMMARY:Weekly Watercooler Chat
DESCRIPTION:CLICK HERE TO JOIN!
URL:https://seniormarketteam.com/event/weekly-watercooler-chat/2026-08-03
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2025/03/smt-favicon260.png
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DTEND;TZID=America/Kentucky/Louisville:20260727T100000
DTSTAMP:20260529T120142
CREATED:20250623T170419Z
LAST-MODIFIED:20251216T135646Z
UID:10000856-1785142800-1785146400@seniormarketteam.com
SUMMARY:Weekly Watercooler Chat
DESCRIPTION:CLICK HERE TO JOIN!
URL:https://seniormarketteam.com/event/weekly-watercooler-chat/2026-07-27
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2025/03/smt-favicon260.png
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BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260720T090000
DTEND;TZID=America/Kentucky/Louisville:20260720T100000
DTSTAMP:20260529T120142
CREATED:20250623T170419Z
LAST-MODIFIED:20251216T135646Z
UID:10000855-1784538000-1784541600@seniormarketteam.com
SUMMARY:Weekly Watercooler Chat
DESCRIPTION:CLICK HERE TO JOIN!
URL:https://seniormarketteam.com/event/weekly-watercooler-chat/2026-07-20
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2025/03/smt-favicon260.png
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BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260714T100000
DTEND;TZID=America/Kentucky/Louisville:20260714T140000
DTSTAMP:20260529T120142
CREATED:20260424T151045Z
LAST-MODIFIED:20260527T185045Z
UID:10001329-1784023200-1784037600@seniormarketteam.com
SUMMARY:Senior Market Team Agent Summit
DESCRIPTION:If you have any dietary restrictions\, please email bcarter@seniormarketteam.com\nHotel Booking Link
URL:https://seniormarketteam.com/event/senior-market-team-agent-summit
LOCATION:Chas Seligman Distributing Co\, 10885 Clydesdale Ct\, Walton\, Kentucky\, 41094
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/04/Event-Cover-Slide-2026-04-24T111038.646.png
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DTEND;TZID=America/Kentucky/Louisville:20260713T100000
DTSTAMP:20260529T120142
CREATED:20250623T170419Z
LAST-MODIFIED:20251216T135646Z
UID:10000854-1783933200-1783936800@seniormarketteam.com
SUMMARY:Weekly Watercooler Chat
DESCRIPTION:CLICK HERE TO JOIN!
URL:https://seniormarketteam.com/event/weekly-watercooler-chat/2026-07-13
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2025/03/smt-favicon260.png
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BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260706T090000
DTEND;TZID=America/Kentucky/Louisville:20260706T100000
DTSTAMP:20260529T120142
CREATED:20250623T170419Z
LAST-MODIFIED:20251216T135646Z
UID:10000853-1783328400-1783332000@seniormarketteam.com
SUMMARY:Weekly Watercooler Chat
DESCRIPTION:CLICK HERE TO JOIN!
URL:https://seniormarketteam.com/event/weekly-watercooler-chat/2026-07-06
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2025/03/smt-favicon260.png
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BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260629T090000
DTEND;TZID=America/Kentucky/Louisville:20260629T100000
DTSTAMP:20260529T120142
CREATED:20250623T170419Z
LAST-MODIFIED:20251216T135646Z
UID:10000852-1782723600-1782727200@seniormarketteam.com
SUMMARY:Weekly Watercooler Chat
DESCRIPTION:CLICK HERE TO JOIN!
URL:https://seniormarketteam.com/event/weekly-watercooler-chat/2026-06-29
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2025/03/smt-favicon260.png
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BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260624T093000
DTEND;TZID=America/Kentucky/Louisville:20260624T103000
DTSTAMP:20260529T120142
CREATED:20260529T145014Z
LAST-MODIFIED:20260529T145014Z
UID:10001349-1782293400-1782297000@seniormarketteam.com
SUMMARY:Devoted: Giveback and Grow
DESCRIPTION:Meeting Link
URL:https://seniormarketteam.com/event/devoted-giveback-and-grow
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/05/Devoted-3.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260623T083000
DTEND;TZID=America/Kentucky/Louisville:20260623T163000
DTSTAMP:20260529T120142
CREATED:20260415T153904Z
LAST-MODIFIED:20260422T123859Z
UID:10001310-1782203400-1782232200@seniormarketteam.com
SUMMARY:NABIP Kentucky Medicare Summit
DESCRIPTION:Register now! \n 
URL:https://seniormarketteam.com/event/nabip-kentucky-medicare-summit
LOCATION:Kentucky Historical Society\, 100 W Broadway St\, Frankfort\, KY\, 40601\, United States
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/04/Event-Cover-Slide-2026-04-15T113849.265.png
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BEGIN:VEVENT
DTSTART;VALUE=DATE:20260623
DTEND;VALUE=DATE:20260624
DTSTAMP:20260529T120142
CREATED:20260527T185503Z
LAST-MODIFIED:20260527T185503Z
UID:10001344-1782172800-1782259199@seniormarketteam.com
SUMMARY:AHIP OPENS!
DESCRIPTION:
URL:https://seniormarketteam.com/event/ahip-opens
LOCATION:OH
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260622T090000
DTEND;TZID=America/Kentucky/Louisville:20260622T100000
DTSTAMP:20260529T120142
CREATED:20250623T170419Z
LAST-MODIFIED:20251216T135646Z
UID:10000851-1782118800-1782122400@seniormarketteam.com
SUMMARY:Weekly Watercooler Chat
DESCRIPTION:CLICK HERE TO JOIN!
URL:https://seniormarketteam.com/event/weekly-watercooler-chat/2026-06-22
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2025/03/smt-favicon260.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260616T160000
DTEND;TZID=America/Kentucky/Louisville:20260616T170000
DTSTAMP:20260529T120142
CREATED:20260529T154903Z
LAST-MODIFIED:20260529T154903Z
UID:10001353-1781625600-1781629200@seniormarketteam.com
SUMMARY:HealthSpring: Dive into Our Supplemental Benefits Product Portfolio
DESCRIPTION:Register now! \nOur HSB portfolio offers Medicare Supplement insurance and Supplemental Health and Life insurance products that can help protect members against out-of-pocket expenses when diagnosed with cancer\, in critical events such as heart attacks\, or when hospitalized due to an unforeseen accident. Join us to discover how to take your sales strategy to the next level.
URL:https://seniormarketteam.com/event/healthspring-dive-into-our-supplemental-benefits-product-portfolio-2
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/05/HealthSpring-2.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260616T130000
DTEND;TZID=America/Kentucky/Louisville:20260616T160000
DTSTAMP:20260529T120142
CREATED:20260518T142310Z
LAST-MODIFIED:20260518T142310Z
UID:10001340-1781614800-1781625600@seniormarketteam.com
SUMMARY:Medical Mutual of Ohio: Ethical Digital Communications in the Medicare Industry
DESCRIPTION:Register here! \n3 credit course  \nPlease note: this course was presented in June of 2025. If you previously attended and are in the same compliance period\, you will not receive an additional three credits for this course. If you’re in a new compliance period\, this will satisfy your Ethics requirement.
URL:https://seniormarketteam.com/event/medical-mutual-of-ohio-ethical-digital-communications-in-the-medicare-industry-5
LOCATION:Green Branch Library\, 4046 Massillon Rd\, Uniontown\, 44685\, United States
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/05/Molina-1.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260616T103000
DTEND;TZID=America/Kentucky/Louisville:20260616T133000
DTSTAMP:20260529T120142
CREATED:20260518T142041Z
LAST-MODIFIED:20260518T142041Z
UID:10001339-1781605800-1781616600@seniormarketteam.com
SUMMARY:Medical Mutual of Ohio: Ethical Digital Communications in the Medicare Industry
DESCRIPTION:Register here! \n3 credit course  \nPlease note: this course was presented in June of 2025. If you previously attended and are in the same compliance period\, you will not receive an additional three credits for this course. If you’re in a new compliance period\, this will satisfy your Ethics requirement.
URL:https://seniormarketteam.com/event/medical-mutual-of-ohio-ethical-digital-communications-in-the-medicare-industry-4
LOCATION:MidPointe Library West Chester\, 9663 Centre Pointe Dr\, West Chester\, 45069\, United States
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/05/Molina-1.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260616T100000
DTEND;TZID=America/Kentucky/Louisville:20260616T110000
DTSTAMP:20260529T120142
CREATED:20260529T154122Z
LAST-MODIFIED:20260529T154222Z
UID:10001351-1781604000-1781607600@seniormarketteam.com
SUMMARY:HealthSpring: Choosing the Correct GI Right for Medigap Policies
DESCRIPTION:Register here! \nDive deeper into understanding what “Guarantee Issue” means\, what federal and state GI Rights are\, and how to effectively use it with existing members. We’ll walk through a few of our plans which\, along with proper positioning\, will get you into more conversations and help you close more sales. \n 
URL:https://seniormarketteam.com/event/healthspring-choosing-the-correct-gi-right-for-medigap-policies-2
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/05/HealthSpring-1.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260616T100000
DTEND;TZID=America/Kentucky/Louisville:20260616T110000
DTSTAMP:20260529T120142
CREATED:20260526T154003Z
LAST-MODIFIED:20260526T154003Z
UID:10001342-1781604000-1781607600@seniormarketteam.com
SUMMARY:UHC: Need to Know for 2027
DESCRIPTION:This is an educational session where UHC will be discussing regulatory changes and what to expect with the 2027 Medicare landscape
URL:https://seniormarketteam.com/event/uhc-need-to-know-for-2027
LOCATION:Northern Kentucky Chamber of Commerce\, 300 Buttermilk Pike Ste 330\, Fort Mitchell\, Kentucky\, 41017
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/05/Event-Cover-Slide-2026-05-26T113938.377.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260616T093000
DTEND;TZID=America/Kentucky/Louisville:20260616T120000
DTSTAMP:20260529T120142
CREATED:20260529T144549Z
LAST-MODIFIED:20260529T144549Z
UID:10001348-1781602200-1781611200@seniormarketteam.com
SUMMARY:Devoted: Coffee Chats with Cole and Hailey
DESCRIPTION:Panera Lexington – 3785 Palomar Centre Dr
URL:https://seniormarketteam.com/event/devoted-coffee-chats-with-cole-and-hailey
LOCATION:OH
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/05/Devoted-1.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260615T090000
DTEND;TZID=America/Kentucky/Louisville:20260615T100000
DTSTAMP:20260529T120142
CREATED:20250623T170419Z
LAST-MODIFIED:20251216T135646Z
UID:10000850-1781514000-1781517600@seniormarketteam.com
SUMMARY:Weekly Watercooler Chat
DESCRIPTION:CLICK HERE TO JOIN!
URL:https://seniormarketteam.com/event/weekly-watercooler-chat/2026-06-15
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2025/03/smt-favicon260.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260609T130000
DTEND;TZID=America/Kentucky/Louisville:20260609T143000
DTSTAMP:20260529T120142
CREATED:20260520T124802Z
LAST-MODIFIED:20260520T124802Z
UID:10001341-1781010000-1781015400@seniormarketteam.com
SUMMARY:UHC: Get ready for 2027
DESCRIPTION:Email Susan Landwerlen to RSVP: susan_landwerlen@uhc.com \nYou won’t want to miss the UnitedHealthcare Need to Know education session where we’ll explore regulatory changes and help you understand what’s shaping the 2027 Medicare landscape. Back by popular demand\, this session may help you better understand this year and what you can do to prepare. It’s all part of our commitment to supporting you as we work together to serve members.
URL:https://seniormarketteam.com/event/uhc-get-ready-for-2027
LOCATION:UHC Office\, 400 E Business Way\, Sharonville\, Ohio\, United States
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/05/Event-Cover-Slide-2026-05-20T084735.565.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260609T103000
DTEND;TZID=America/Kentucky/Louisville:20260609T113000
DTSTAMP:20260529T120142
CREATED:20260529T144440Z
LAST-MODIFIED:20260529T144440Z
UID:10001347-1781001000-1781004600@seniormarketteam.com
SUMMARY:Devoted Medical Virtual Training
DESCRIPTION:Meeting Link
URL:https://seniormarketteam.com/event/devoted-medical-virtual-training
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/05/Devoted-2.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260609T090000
DTEND;TZID=America/Kentucky/Louisville:20260609T110000
DTSTAMP:20260529T120142
CREATED:20260504T200336Z
LAST-MODIFIED:20260505T181112Z
UID:10001330-1780995600-1781002800@seniormarketteam.com
SUMMARY:Essence: Breakfast & Benefits
DESCRIPTION:
URL:https://seniormarketteam.com/event/essence-event
LOCATION:Story\, 828 E Market St\, Louisville\, KY\, 40206\, United States
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/05/Event-Cover-Slide-2026-05-04T160324.662.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260608T093000
DTEND;TZID=America/Kentucky/Louisville:20260608T123000
DTSTAMP:20260529T120142
CREATED:20260518T141850Z
LAST-MODIFIED:20260518T141850Z
UID:10001338-1780911000-1780921800@seniormarketteam.com
SUMMARY:Medical Mutual of Ohio: Ethical Digital Communications in the Medicare Industry
DESCRIPTION:Register here! \n3 credit course  \nPlease note: this course was presented in June of 2025. If you previously attended and are in the same compliance period\, you will not receive an additional three credits for this course. If you’re in a new compliance period\, this will satisfy your Ethics requirement.
URL:https://seniormarketteam.com/event/medical-mutual-of-ohio-ethical-digital-communications-in-the-medicare-industry-3
LOCATION:Medical Mutual – Dublin Office\, 545 Metro Place S. Suite 430\, Dublin\, OH\, 43017\, United States
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/05/Molina-1.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260608T090000
DTEND;TZID=America/Kentucky/Louisville:20260608T100000
DTSTAMP:20260529T120142
CREATED:20250623T170419Z
LAST-MODIFIED:20251216T135646Z
UID:10000849-1780909200-1780912800@seniormarketteam.com
SUMMARY:Weekly Watercooler Chat
DESCRIPTION:CLICK HERE TO JOIN!
URL:https://seniormarketteam.com/event/weekly-watercooler-chat/2026-06-08
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2025/03/smt-favicon260.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260604T100000
DTEND;TZID=America/Kentucky/Louisville:20260604T110000
DTSTAMP:20260529T120142
CREATED:20260529T154535Z
LAST-MODIFIED:20260529T154535Z
UID:10001352-1780567200-1780570800@seniormarketteam.com
SUMMARY:HealthSpring: Dive into Our Supplemental Benefits Product Portfolio
DESCRIPTION:Register now! \nOur HSB portfolio offers Medicare Supplement insurance and Supplemental Health and Life insurance products that can help protect members against out-of-pocket expenses when diagnosed with cancer\, in critical events such as heart attacks\, or when hospitalized due to an unforeseen accident. Join us to discover how to take your sales strategy to the next level.
URL:https://seniormarketteam.com/event/healthspring-dive-into-our-supplemental-benefits-product-portfolio
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/05/HealthSpring-2.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260603T110000
DTEND;TZID=America/Kentucky/Louisville:20260603T123000
DTSTAMP:20260529T120142
CREATED:20260526T172257Z
LAST-MODIFIED:20260526T172530Z
UID:10001343-1780484400-1780489800@seniormarketteam.com
SUMMARY:UHC: Need to Know for 2027
DESCRIPTION:Email Susan Landwerlen to RSVP: susan_landwerlen@uhc.com \nYou won’t want to miss the UnitedHealthcare Need to Know education session where we’ll explore regulatory changes and help you understand what’s shaping the 2027 Medicare landscape. Back by popular demand\, this session may help you better understand this year and what you can do to prepare. It’s all part of our commitment to supporting you as we work together to serve members.
URL:https://seniormarketteam.com/event/uhc-need-to-know-for-2027-2
LOCATION:The Signature Club of Landsdowne\, 3256 Landsdowne Dr\, Lexington\, Kentucky\, 40502
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/05/Event-Cover-Slide-2026-05-26T113938.377.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260603T110000
DTEND;TZID=America/Kentucky/Louisville:20260603T120000
DTSTAMP:20260529T120142
CREATED:20260527T193202Z
LAST-MODIFIED:20260527T193202Z
UID:10001345-1780484400-1780488000@seniormarketteam.com
SUMMARY:Berwick Insurance: Host with Confidence: A Compliance Guide to Medicare Events
DESCRIPTION:Register here! \nHosting events is one of the most powerful ways to grow your Medicare business – but doing it right requires understanding how to do so compliantly. \nIn this session\, Integrity’s Jayne Rothman and Anna Patrick break down the compliance landscape in clear\, actionable terms. Together\, they’ll equip you with the knowledge and tools to host events in your area with confidence – so you can focus on connecting with beneficiaries and growing your business the right way. \nYou’ll learn how to plan and execute compliant events from start to finish\, including the key distinctions between educational and sales events under CMS guidelines\, what you can and cannot do at each event type\, practical steps for venue selection\, event setup\, managing attendance\, and how to stay protected while still making a meaningful community impact.
URL:https://seniormarketteam.com/event/berwick-insurance-host-with-confidence-a-compliance-guide-to-medicare-events
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/05/Event-Cover-Slide-2026-05-27T153142.855.png
END:VEVENT
BEGIN:VEVENT
DTSTART;TZID=America/Kentucky/Louisville:20260602T160000
DTEND;TZID=America/Kentucky/Louisville:20260602T170000
DTSTAMP:20260529T120142
CREATED:20260529T154017Z
LAST-MODIFIED:20260529T154017Z
UID:10001350-1780416000-1780419600@seniormarketteam.com
SUMMARY:HealthSpring: Choosing the Correct GI Right for Medigap Policies
DESCRIPTION:Register here! \nDive deeper into understanding what “Guarantee Issue” means\, what federal and state GI Rights are\, and how to effectively use it with existing members. We’ll walk through a few of our plans which\, along with proper positioning\, will get you into more conversations and help you close more sales. \n 
URL:https://seniormarketteam.com/event/healthspring-choosing-the-correct-gi-right-for-medigap-policies
LOCATION:Virtual
ATTACH;FMTTYPE=image/png:https://seniormarketteam.com/wp-content/uploads/2026/05/HealthSpring-1.png
END:VEVENT
END:VCALENDAR