The Fermion Mass Problem and the Anti-Grand Unification Model
  We describe the Anti-Grand Unification Model (AGUT) and the Multiple Point Principle (MPP) used to calculate the values of the Standard Model gauge coupling constants in the theory, from the requirement of the existence of degenerate vacua. The application of the MPP to the pure Standard Model predicts the existence of a second minimum of the Higgs potential close to the cut-off, which we take to be the Planck scale, giving our Standard Model predictions for the top quark and Higgs masses: $M_t = 173 \pm 5$ GeV and $M_H = 135 \pm 9$ GeV. We also discuss mass protection by chiral charges and present a fit to the charged fermion mass spectrum using the chiral quantum numbers of the maximal AGUT gauge group $SMG^3 \times U(1)_f$, where $SMG \equiv SU(3) \times SU(2) \times U(1)$. The neutrino mass and mixing problem is then briefly discussed for models with chiral flavour charges responsible for the charged fermion mass hierarchy. 
C.D. Froggatt, M. Gibson, H.B. Nielsen and D.J. Smith