Sometimes it's the simple things that make you go wow!  I just ran into one of those today while reading up on better HTML/CSS usage, I found there's an HTML element just for providing labels for input control.

Here's an example:

<label for="loanNumber">Loan Number</label>
<input id="loanNumber" type="text"/>

Loan Number

Not only does this render side by side, but its more obvious and provides semantic meaning.  Another cool thing is that when you click on the label text in your browser, then input control associated with becomes activated, try it!