Default Textbox Values But Not Overwriting Browser Autocomplete / Solve This?

I'm working on a site and for my login area, instead of using labels for the textboxes, I wanted to just put default text in there.

The JS that I am using is supposed to only enter the default values in the textboxes if they are blank. Unfortunately, I think the JS runs before the browser puts the "auto remember" stuff into the boxs, so the JS will always put the default values in the boxes.

The problem is that, when its time for the browser to enter the auto remember stuff, it sees that there is already stuff entered, so it doesn't enter the previously-remembered login information.

I'm pretty sure that what I'm trying to do is possible, but maybe I'm going about it the wrong way. Could somebody suggest the appropriate way to do this? code...