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002 by SuperGeeman, on Flickr
Are you "Stuart" from UKhoverflies?It is Eupeodes luniger - a female. The spots on the abdomen don't reach the margins and you can just about make out the "Y" shaped mark on the frons. A very common, late summer species often boosted by immigration, and a frequent garden visitor. Nice piccie, but a bit over-sharpened for my taste!