Thankyou very much to the Bumble Bee Conservation lady http://www.bumblebeeconservation.org.uk/index.htm
who sent me the info and leaflet about Bumble bee id.  I think it will take me a long time to get the hang of it.  I don't see one with two white stripes in the choices.

River Earn, Crieff, Perthshire walk 13/8/10

This one was in the garden 12/8/10