  Has any progress been made on understanding and predicting the 13 parameters
which describe the observed masses and mixing angles of the quarks and leptons?
Arguments are given in favor of pursuing schemes in which grand unified and
family symmetries provide many relations among these 13 parameters. A sequence
of simple assumptions leads to a supersymmetric SO(10) theory with 8
predictions: $\tan \beta, m_t, V_{cb}, m_s, m_s/m_d$, $m_u/m_d, V_{ub}$ and the
amount of CP violation $J$. These predictions are presented, together with
experiments which will test them.
