I don't have a pic, but there is a strange insect in my garden that I can't find in my guides. It is orange and black, banded horizontally across it's body, about the size of a black blister beetle. It appears to be fuzzy, like a bumblebee. I see it crawling along the ground. Doesn't seem to have wings. Surely someone will know what this thing is and if it is friend or foe. I assume not foe or surely it would have been in my guide to insect pests. Thanks for any help.