$(function(){
    $('input[type=text]').each(function(){
        var $field = $(this);
        var holder = $field.attr('holder');
        if (!holder || holder == 'undefined'){
            return;
        }
        $field.val(holder);
        $field.click(function(){
            var val= $field.val();
            if (val == holder){
                $field.val(null);
            }
        });
        $field.blur(function(){
            var val =  $field.val();
            if (!val){
                $field.val(holder);
            }
        });
    });
});