  We assume the universal Yukawa coupling (democratic mass matrix) with small
violations for quarks, charged leptons and neutrinos masses. We could reproduce
the mass hierarchy for quark masses and V_{CKM} matrix elements precisely. We
adopt the see-saw mechanism for the explanation of smallness of neutrino masses
and introduce the right-handed Majorana neutrinos and Dirac neutrinos. We
assume the universal Yukawa coupling with small violations for Majorana and
Dirac neutrinos. We can get the hierarchy of charged lepton masses and
effective neutrino masses and the large mixing of neutrinos expressed in
V_{NMS}.
