<div class="txt">
    <label for="text" class="txt-l">Captains America</label>
    <textarea id="text" placeholder="Full names" class="txt-f" rows="10">Steve Rogers&amp;
Bucky Barnes&amp;
Danielle Cage&amp;
Samantha Wilson&amp;
Steve Mouser
</textarea>
</div>
<div class="txt">
    <label for="empty-text" class="txt-l">Email</label>
    <textarea id="empty-text" placeholder="Your email address" class="txt-f" rows="10"></textarea>
</div>

Fleet supports creating form elements with explicit and implicit labels. The preferred use is to utilize explicit labelling if possible. According to the W3, explicit labelling is better supported by assistive technologies.