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<div class="section">
  <h2>F&F Settlement Summary Prepared — {{fnfId}}</h2>
  <p>Dear Finance Team,</p>
  <p>
    The initial Full & Final (F&F) settlement summary has been prepared for 
    <strong>{{dealerName}}</strong> (F&F ID: <strong>{{fnfId}}</strong>).
  </p>

  <div style="background:#f5f5f5; border-left:4px solid #333; padding:12px 16px; margin: 16px 0;">
    <strong>Calculated Net Amount:</strong> ₹{{netAmount}}<br/>
    <strong>Status:</strong> Pending Final Approval
  </div>

  <p>
    Please review the consolidated departmental responses and the settlement summary to proceed with final approval and payment processing.
  </p>

  <div style="text-align:center; margin: 24px 0;">
    {{> cta_button}}
  </div>

  <p style="color:#888; font-size:12px;">
    Confidential: This summary contains sensitive financial data. Review only via authorized portal access.
  </p>
</div>

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