  It is shown that an idea proposed in 1996 that relates in a qualitatively
correct way the inter-family mass hierarchies of the up quarks, down quarks,
charged leptons, and neutrinos, can be combined with a predictive scheme
recently proposed for relating quark mixing and neutrino mixing. In the
resulting model, the entire flavor structure of the quarks and leptons is
expressible in terms of two "master matrices": a diagonal matrix that gives the
inter-family mass ratios, and an off-diagonal matrix that controls all flavor
mixing.
