/**
 * POA / notary howto — white band between reviews and footer form.
 * Reuses .op-ins-howto cards; only surface treatment differs.
 */

.op-ins-howto--poa {
  background: #ffffff;
  padding: 72px 0 64px;
}

@media (max-width: 768px) {
  .op-ins-howto--poa {
    padding: 52px 0 44px;
  }
}