  The spin-charge-family theory offers a possible explanation for the
assumptions of the standard model, interpreting the standard model as its low
energy effective manifestation. The standard model Higgs and Yukawa couplings
are explained as an effective replacement for several scalar fields, all of
bosonic (adjoint) representations with respect to all the charge groups, with
the family groups included. Assuming the Lagrange function for all scalar
fields to be of the renormalizable kind, properties of the scalar fields on the
tree level are discussed. Free scalar fields (mass eigenstates) differ from
either those, which couple to $Z_m$, or to $W^{\pm}_{m}$ or to each family
member of each of the four families, which further differ among themselves.
Consequently the spin-charge-family theory predictions differ from those of the
standard model.
