A universal form for quark and neutrino mass matrices

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 $m_1\simeq m_2\simeq 74meV$, $m_3\simeq 55meV$, and neutrinoless double beta decay mass parameter $m_{0\nu\beta\beta}\simeq 33~ meV$\mathrm{.}Wealsopredictthatthe$CP$-violating angle in the neutrino sector is close to the maximal value $\delta =\pm \pi \mathrm{/}2$, and that the diagonal phases in the PMNS matrix are ${\alpha }_1\simeq 0$, ${\alpha }_2\simeq \pi$.