Answered | Radio lists: default selection?

[Quillink]

I've been googling the topic for hours but I can't seem to get my radio list to have a default selection. Here's the section of the code, can someone show me how to have "Undisclosed" selected when the page loads?

Gender: 
<input type='radio' value='Male' name='gender'>Male &nbsp; 
<input type='radio' value='Female' name='gender'>Female &nbsp; 
<input type='radio'  value='Undisclosed' name='gender'>Undisclosed

Also does anyone know how to get this working? It's the refresh button for my CAPTCHA and I'm really not sure where to start:

<a href='#' onclick='document.getElementById('captcha').src = '/securimage/securimage_show.php?' + Math.random(); return false'><img border='0' src='secureimage/images/refresh.gif'></a>

Thanks in advance,
- Quillink