An Explicit SU(12) Family and Flavor Unification Model
  An explicit SUSY SU(12) unification model with three light chiral families is presented which avoids any external flavor symmetries. The hierarchy of quark and lepton masses and mixings is explained by higher dimensional Yukawa interactions involving Higgs bosons containing SU(5) singlet fields with VEVs appearing at or below the SUSY GUT scale of 2 \times 10^{16} GeV, approximately 50 times smaller than the SU(12) unification scale. The model has been found to be in good agreement with the observed quark and lepton masses and mixings, with nearly all prefactors of O(1) in the four Dirac and one Majorana fermion mass matrices. 
Carl H. Albright, Robert P. Feger and Thomas W. Kephart
hep-ph