  Following recent results from the SNO solar neutrino experiment and the K2K
long-baseline neutrino experiment, the combined existing data on neutrino
oscillations now point strongly to a specific form for the lepton mixing
matrix, with effective bimaximal mixing of $\nu_{\mu}$ and $\nu_{\tau}$ at the
atmospheric scale and effective trimaximal mixing for $\nu_e$ with $\nu_{\mu}$
and $\nu_{\tau}$ at the solar scale (hence `tri-bimaximal' mixing). We give
simple mass-matrices leading to tri-bimaximal mixing, and discuss its relation
to the Fritzsch-Xing democratic ansatz.
