  The mass matrices of quarks have a simple structure if expressed in powers of
the small parameter \sigma=(m_c/m_t)^{1/2}. If there is a close relation
between quarks and leptons, one would expect similar structures for the lepton
matrices which involve the same parameter. To have a specific proposal, the
see-saw mechanism is employed together with the stringent requirement that the
singlet neutrinos carry non-zero generation charges. These charges then
determine the powers of \sigma in the corresponding heavy neutrino mass matrix.
As a result, the neutrino mixing matrix turns out to be of the bimaximal type.
In addition, the mass splitting of the two lightest neutrinos is found to be
tiny, and just of the correct magnitude necessary for the vacuum solution for
solar neutrinos.
