  Following the newly formulated notion of form invariance of the neutrino mass
matrix, a complete model of leptons is constructed. It is based on a specific
unitary 3 X 3 matrix U in family space, such that U^2 is the simple discrete
symmetry nu_e to -nu_e, nu_mu to nu_tau. Thus U also generates the cyclic group
Z_4. The charged-lepton mass matrix is nearly diagonal while the neutrino mass
matrix is of the form suitable for explaining maximal (large) mixing in
atmospheric (solar) neutrino oscillations in the context of three nearly
degenerate neutrino masses. Observable lepton flavor violation is predicted.
Quarks may be treated in the same way as the charged leptons.
