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I assume you're using Php (I don't know anything of the other languages )As you know you call the class of the editor with this code:
$oFCKeditor = new FCKeditor('text');
$oFCKeditor->BasePath = '/fckeditor/';
or something like that.You can let the editor start with a default text or character by inserting this somewhere between the 'new FCKeditor()' and 'Create()':$oFCKeditor->Value = 'here your text';