  A simple ansatz is proposed for neutrino and charged lepton mass matrices,
within the framework of universal strength for Yukawa couplings. In this
framework all Yukawa couplings have equal moduli and the flavour dependence is
only in their phases. We take into account the solar neutrino deficit and the
atmospheric neutrino anomaly, assuming three neutrino families only. The ansatz
leads in a natural way to small mixing involving neutrinos of quasi degenerate
masses, as required to explain the solar neutrino deficit in the nonadiabatic
MSW solution, while having the large mixing necessary to explain the
atmospheric neutrino anomaly.
