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Vespula squamosa
I thought it was the same as my last spotting, but the markings are different http://www.projectnoah.org/spottings/111...
Flowering loquat plant
This one is a worker. Many of the ones in the bugguide page I suggested look different because they are queens. Here is a nice link, scroll down to the photos. Southern Yellowjacket worker is the first photo on the left.