  With the recent experimental advance in our precise knowledge of the neutrino
oscillation parameters, the correct form of the 3 X 3 neutrino mass matrix is
now approximately known. I discuss how this may be obtained from symmetry
principles, using as examples the finite groups A_4 and Z_4, predicting as a
result three nearly degenerate Majorana neutrino masses in the 0.2 eV range.
