Where does the text file reside? On the client side or server side? If it's on the server, you'd load it with server-side scripting, like ASP, ColdFusion, PHP, Java Server Pages, or whatever is available. On the client side, you'll have to use IE and the FileSystemObject.
Your best choice is to use server-side scripting to read the text file and insert it into the textarea. If you insist on using client-side scripting, you could use AJAX and accomplish this, and as long your viewers all have Javascript enabled it will work.
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