XL 2019 texte en filigrane dans une textbox

Sub SetFond(Ref As MSForms.Control, Optional Filigrane As Variant)
    Ref.BackStyle = fmBackStyleTransparent
    With Controls.Add("Forms.Textbox.1", "Fond_" & Ref.Name, True)
        .BackColor = vbWhite
        .BackStyle = fmBackStyleOpaque
        .ForeColor = &H80000010  ' gris clair
         Set .Font = Ref.Font
         If IsMissing(Filigrane) Then Filigrane = Ref.Tag
        .Value = Filigrane
        .Move Ref.Left, Ref.Top, Ref.Width, Ref.Height
    End With
    Ref.ZOrder 0
End Sub

Private Sub UserForm_Initialize()
  TextBox1.Tag = TextBox1.Value
  TextBox2.Tag = TextBox2.Value
End Sub


Private Sub TextBox1_Change(): TBX_Change TextBox1: End Sub
Private Sub TextBox1_KeyDown(ByVal KeyCode As MSForms.ReturnInteger, ByVal Shift As Integer): TBX_keydown TextBox1, KeyCode: End Sub

Private Sub TextBox2_Change(): TBX_Change TextBox2: End Sub
Private Sub TextBox2_KeyDown(ByVal KeyCode As MSForms.ReturnInteger, ByVal Shift As Integer): TBX_keydown TextBox2, KeyCode: End Sub



'*****************************************************************
'générique
Private Sub TBX_Change(TBX)
    With TBX
        .ForeColor = vbBlack
        If Left(.Value, Len(.Tag)) = .Tag Then If Len(.Value) > Len(.Tag) Then .Value = Mid(.Value, Len(.Tag) + 1): .ForeColor = RGB(210, 210, 210)
        If .Value = "" Then .Value = .Tag: .ForeColor = RGB(220, 220, 220)
     End With
End Sub

Private Sub TBX_keydown(ByRef TBX As Object, ByVal KeyCode As MSForms.ReturnInteger)
    With TBX
        .ForeColor = vbBlack
        If .Value = .Tag Then .SelStart = Len(.Tag)
        Select Case KeyCode
            Case 8, 46: If .Value = .Tag Then KeyCode = 0: .ForeColor = RGB(210, 210, 210)
        End Select
    End With
End Sub
'******************************************************************