I am using something similar to the following code:
<div style="opacity:0.4; background-image:url(...);">
<div style="opacity:1.0;">
Text
</div>
</div>
I expected this to make the background have an opacity of 0.4 and the text to have 100% opacity. Instead they both have an opacity of 0.4.
Children inherit opacity. It'd be weird and inconvenient if they didn't.
You can use a translucent PNG file for your background image, or use an RGBa (a for alpha) color for your background color.
Example, 50% faded black background:
<div style="background-color:rgba(0, 0, 0, 0.5);">
<div>
Text added.
</div>
</div>