  Many of the ingredients are explored which are needed to develop a super-
symmetric SO(10) x U(1)_F grand unified model based on the Yukawa structure of
a model previously constructed in collaboration with S. Nandi to explain the
quark and lepton masses and mixings in a particular neutrino scenario. The
U(1)_F family symmetry can be made anomaly-free with the introduction of one
conjugate pair of SO(10)-singlet neutrinos with the same U(1)_F charge. Due to
a plethora of conjugate pairs of supermultiplets, the model develops a Landau
singularity within a factor of 1.5 above the GUT scale. With the imposition of
a Z_2 discrete symmetry and under certain conditions, all higgsino triplets can
be made superheavy while just one pair of higgsino doublets remains light and
results in mass matrix textures previously obtained from the bottom-up
approach. Diametrically opposite splitting of the first and third family scalar
quark and lepton masses away from the second family ones results from the
nonuniversal D-term contributions.
