A universal form for quark and neutrino mass matrices

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We propose a universal form for quark and lepton mass matrices, which applies in a ``leading order'' approximation where CP-violating phases are ignored. Down-quark mass ratios are successfully predicted in our scheme using the measured CKM mixing angles as input. Assuming an additional discrete symmetry in the neutrino sector, we obtain the ``golden ratio'' pattern in the leading-order PMNS mixing matrix; in addition we predict an inverted neutrino mass hierarchy with m₁≃ m₂ ≃74 meV, m₃≃ 55 meV, and neutrinoless double beta decay mass parameter m₀νᵦᵦ≃ 33 meV. We also predict that the CP-violating angle in the neutrino sector is close to the maximal value δ=±π/2, and that the diagonal phases in the PMNS matrix are α₁≃ 0, α₂≃π.