  The spin-charge-family theory, proposed by the author as a possible new way
to explain the assumptions of the standard model, predicts at the low energy
regime two decoupled groups of four families of quarks and leptons. In two
successive breaks the massless families, first the group of four and at the
second break the rest four families, gain nonzero mass matrices. The families
are identical with respect to the charges and spin. There are two kinds of
fields in this theory, which manifest at low energies as the gauge vector and
scalar fields: the fields which couple to the charges and spin, and the fields
which couple to the family quantum numbers. In loop corrections to the tree
level mass matrices both kinds start to contribute coherently. The fourth
family of the lower group of four families is predicted to be possibly observed
at the LHC and the stable of the higher four families -- the fifth family -- is
the candidate to constitute the dark matter. Properties of the families of
quarks and leptons and of the scalar and gauge fields, before and after each of
the two successive breaks, bringing masses to fermions and to boson fields are
analysed and relations among coherent contributions of the loop corrections to
fermion properties discussed, including the one which enables the existence of
the Majorana neutrinos. The relation of the scalar fields and mass matrices
following from the {\em spin-charge-family} theory to the {\it standard model}
Yukawa couplings and Higgs is discussed. Although effectively the scalar fields
manifest as Higgs and Yukawas, measurements of the scalar fields do not
coincide with the measurement of the Higgs.
