Inside a Text Box

i have this simple login form:

[code=php]<td align=”right”>Username: </td>
<td><input size=”15″ maxlength=”25″ name=”username” type=”text”></td>
</tr>
<tr>
<td align=”right”>Password: </td>
<td><input size=”15″ maxlength=”25″ name=”password” type=”password”></td>
</tr>
<tr>
<td colspan=”2″ align=”center”><input name=”login” value=”Login” type=”submit”></td>
</tr>[/code]

how can i make it so the user sees something in the text box , not just a white space, such as i am planning to put a countdown timer in the username box.
is this possible

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