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Thanks for the ID Fyn Kynd!
Definitely a member of Argiope, and the underbelly pattern could be aemula. I really like the pattern on this one.
Cute! It's loaded down with pollen.
I think we spotted the same species! It's Argiope aurantia.
This plant is supposed to be a fold remedy to poison ivy.
Narrowed it down to genus using this handy wildflower search engine: http://www.realtimerendering.com/flowers...
You can sometimes see Carolinas that far north, and that's what I think it is, too.
Judging by the size and shape of the glands behind the eyes, and the marking on the throat, Bufo americanus. Fowler's usually has smaller glands and a plain white throat.
It's either an American toad or a Fowler's toad. They look pretty similar and can hybridize. Hard to tell from this shot, maybe an expert can weigh in?