I would like to insert a long agreement into a read only scrollable text box. I'd also like to save the agreement separately so I can update it easily. I've attempted to add it to the placeholder section, however, it's difficult to format it. In addition, I've tried to change the text-area to a scrollable text area using:
<div class="scrollable">
<?php include "agreement.php"; ?>
</div>

How would I add this long agreement to the current html?

This might work for you. From Eric's CoffeeCup site... http://progrower.coffeecup.com/scrollingdiv.html

I'm not sure if there is a limit on the amount of text you can insert. He may be able to answer that question. Looks pretty simple to put into an HTML box on your form. Then just update the text and re-save the form when needed.

Let us know if you need more info, or if this works for you.

Why not keep it simple and put a link to the agreement in the form so you can save it as a PDF file and update it anytime you want to without it affecting the form? Then just add a checkbox for the users to agree that they have read and agree to the terms of the agreement.

Unfortunately, the above scrolling text box didn't work. In addition, it's essential I have this agreement in a scrolling text box rather than through a link for legal purposes. While I can format it to sort of match the form (everything looks good except the scrolling text box is missing the shadow effect), the rest of the form gets messed up. It moves the remaining form sections to the far left.
Is there a simple way to insert the code from a separate php document within placeholder? I feel like this would fix it.
For example, does anyone know how to insert <?php include "agreement.php"; ?> within placeholder? I've pasted the text area info below that I need to change:

<div id="item20" class="fb-item fb-100-item-column">
<div class="fb-grouplabel">
<label id="item20_label_0">Agreement</label>
</div>
<div class="fb-textarea">
<textarea style="resize: none; max-width: 960px; " id="item20_textarea_1"
maxlength="10000" placeholder="agreement info here" data-hint="" name="hearaboutus"></textarea>
</div>

I was able to enter the entire agreement into the "placeholder" field for the textarea. Does anyone know how to skip spaces, and add underline and bold to the placeholder text? This should fix everything, however, <b>, <i>, and < /br> are not working (I'm guessing because it's a text area not html).

Use an html element.

I accomplished the same thing with a scrolling div as an html element - works fine... but...
Be nice if there was a way to force the viewer to scroll to the end for the "I agree" checkbox.

Just add a check box at the end for the Agree toggle. Then make it required. Then in the Error Message that you setup for it type in there that they need to scroll and accept the terms to continue (or whatever verbage you require). Simple as that