Different Species

Well, I thought I had three bee species in the garden, but tonight, I went out to take a picture for Flower Friday, and saw this chap on the lupin. He really wasn't bothered about me, and this is one of about ten pictures I took. But he isn't a white-tailed, he isn't a red-tailed and he isn't a Common Carder. The stripes don't match a tree bumblebee, so I'm wondering if this is a Gypsy Cuckoo bee? What about those who know more than me? Its really quite exciting to see, and I think I'm going to have to try to plant more lupins!