from schwab.com wherein they delete the password field and recreate it... why the first one is considered a 'dummy'... eh? messes with password savers, autofill etc.

Who does this?

// replace password dummy with real field on focus:
function pwFocus(id) {
  var elm = document.getElementById(id);
  if (elm.value == "Password") {
    var newElm = document.createElement("input");
    var elmWrapper = document.getElementById("pwBox");
    newElm.setAttribute("type", "password");
    newElm.setAttribute("name", id);
    newElm.setAttribute("id", id);
    newElm.setAttribute("onblur", "pwBlur(this.id);");  
    elmWrapper.replaceChild(newElm, elm);
    setTimeout( function() { document.getElementById(id).focus()}, 1);
  }
}
 
function pwBlur(id) {
     var elm = document.getElementById(id);
     if (elm.value == "Password" || elm.value.length == 0) {
       var elm = document.getElementById(id);
       var newElm = document.createElement("input");
       var elmWrapper = document.getElementById("pwBox");
       newElm.setAttribute("type", "test");
       newElm.setAttribute("name", id);
       newElm.setAttribute("id", id);
       newElm.setAttribute("value", "Password");
       newElm.setAttribute("style", "color: #999");
       newElm.setAttribute("onfocus", "pwFocus(this.id);");     
       elmWrapper.replaceChild(newElm, elm);
   }
}