Universal bilinear form of quark and lepton mass matrices

In the so-called Yukawaon model, the (effective) Yukawa coupling constants Y-f(eff) are given by vacuum expectation values (VEVs) of scalars Y-f (Yukawaons) with 3 x 3 components. In the present model, all of the VEV matrices [Y-f] are given by a bilinear form of VEVs of flavons Phi(f), [Y-f](i)(j) = k(f) [Phi(f)](ik) [ (Phi) over bar(f)](kj), where Phi(f) is assigned to 6 of U(3) family symmetry. As input parameters with family number-dependent values, we use only charged lepton mass values. Under this formulation, we can give reasonable values of quark and lepton masses and their mixings. A CP-violating phase delta(l)(CP) = +/- 26 degrees in the lepton sector is predicted. The effective Majorana neutrino mass is also predicted.