Sure, you can set the fields to have a fill color and then set it to transparent when the user fills them in, or when they save the file later on. You'll need to disable JS on your machine before saving the file, though, to prevent the script from running too soon.
Can you help walk me through this? On the field text properties under the appearance tab I am changing the fill color and making it non-transparent. After this I am not seeing the option to remove that in the validate or calculate tabs.