A generic form

Title of first fieldset - this has very little styling attached





Title of second fieldset area in here - a bit more html & css




Title of third fieldset - this has less html :)


Comments

All form elements should have a label associated with them. To do this the for="" bit of the label must correspond to the id="" part of the input.
E.G.

<label for="example">Example</label>
<input type="text" id="example" />

Radio buttons can cause some issues with accessibility in that each pair / group should have there own fieldset & Legend.
If you are going to use them you should give the question a label tag as well as the first answer e.g.

<label for="radioExampleYes">Radio example question</label>
<input type="radio" name="radioExample" id="radioExampleYes"/>
<label for="radioExampleYes">Yes</label>
<input type="radio" name="radioExample" id="radioExampleNo"/>
<label for="radioExampleNo">No</label>

This code is valid, W3C Validator

The colours used also pass the colour contrast and colour difference tests. Juicy Studios colour tester

Tested in Firefox, IE6, IE7 and Opera