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The yellow usually indicates a male, however I believe females can have yellow on the shoulder under certain conditions.
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I think Graham is correct that this is a male Red-tailed Bumblebee. I've never seen a female with that much yellow on, and the reddish hairs on the hind leg don't match female lapidarius either.
Entomologist and biological recorder
Lat/Lng: 51.860830194634, -0.73707103729248
OS grid ref: SP870187