function userpassmsg(obj,e){
	// which field?
	if(obj.name=='username'){
		if(e=='f'){
			if(obj.value == 'username'){
				obj.value = '';
				}
			} else {
			if(obj.value == ''){
				obj.value = 'username';
				}
			}
		}
		
	if(obj.name=='password'){
		if(e=='f'){
			if(obj.value == 'password'){
				obj.value = '';
				obj.type = 'password';
				}
			} else {
			if(obj.value == ''){
				obj.type = 'text';
				obj.value = 'password';
				}
			}
		}
	}