Placing default text in the fields in your form to describe what is supposed to be entered there is one way of making your form easier to use. You just need to remove the default text when the page gets the focus so that your visitor can then type in their response.
One problem with doing this is if you have a password field as a part of your form and want to display something there. Obviously you want the default text in that instance to be readable and not the row of asterisks or dots that will appear when your visitor types in their password. Even though the field type attribute is supposed to be read only all browsers except Internet Explorer allow us to update it so as to easily change from a password field to a text field and back. We can then use JScript conditional comments to insert the code to do a complete field swap for IE users. For those purists who don't want to take advantage of the non-standard way almost all browsers handle the type attribute somply shifting the conditional comments around the elementCreate statements and adding a standard elementCreate and name assignment for browsers other than IE will produce the same result in about the same amount of code but with all browsers doing the field swap instead of the shorter type change.