  The masses of quarks and leptons in units of $m_t$ are expressed in powers of
$\sigma=\sqrt{m_c/m_t}$. The regularities found suggest specific mass matrices.
They reproduce all masses and mixings in striking agreement with observation. A
90 degree relative phase angle between the off-diagonal elements of up and down
quark matrices leads to a maximum magnitude for CP-violation and, for the phase
angle $\gamma$ of the unitary triangle, to $\gamma\simeq 90^o$.
