#sep-bottom-5 .bg-wrap {
    background-color: rgba(255, 255, 255, 0);
}     #sep-bottom-5--0 .bg-wrap {
    background-color: rgba(255, 255, 255, 0);
}     #sep-bottom-3 .bg-wrap {
    background-color: rgba(255, 255, 255, 0);
}     #benefits-3col-12 .bg-wrap {
    background-color: #f4f5f6;
}
#contact-inline-form .bg {
    background-image: url('../images/bg-43.jpg');
    background-repeat: no-repeat;
    background-position: center;
    background-size: cover;
    opacity:0.45;
}#sep-bottom-5--4 .bg-wrap {
    background-color: rgba(255, 255, 255, 0);
}