  We show that solutions for the masses and mixings of the quarks and leptons
based on a $U(1)\times Z_2$ horizontal symmetry are possible. The seesaw
mechanism is shown to work consistently in the presence of the discrete
symmetry. The discrete symmetry results in the phenomenologically useful
suppressions of elements of the Yukawa matrices. The quark and lepton masses,
the CKM mixing angles, and the neutrino mixing angles are accomodated at the
order of magnitude level.
