Cursor Location in Freetextbox

Question

Hi All

I am getting problem in putting text at the cursor location in freetext box which is place in a Place holder and .
My code is as follows:
  <select name="ddlPlaceHolders" onchange="FTB_API['ctl00_ContentPlaceHolder1_ftbMailText'].InsertHtml
(ddlPlaceHolders.options[ddlPlaceHolders.selectedIndex].text);">
                 <option value="<!FN>">First Name</option>
        <option Value="<!LN>">Last Name</option>
        <option Value="<!EM>">Email</option>      
        </select>
the statement
 "FTB_API['ctl00_ContentPlaceHolder1_ftbMailText'].InsertHtml
(ddlPlaceHolders.options[ddlPlaceHolders.selectedIndex].text);"
is working fine but when i change it to get value instead of text as "FTB_API['ctl00_ContentPlaceHolder1_ftbMailText'].InsertHtml
(ddlPlaceHolders.options[ddlPlaceHolders.selectedIndex].value);"
 its not showing any thing in the freetext box. Please help me

Thanks
wajans