Simple Radiative Neutrino Mass Matrix for Solar and Atmospheric   Oscillations
  A simple 3 X 3 neutrino mass matrix is proposed to accommodate both the solar and atmospheric neutrino deficits. This scenario can be realized naturally by a radiative mechanism for the generation of neutrino masses. It also goes together naturally with electroweak baryogenesis and cold dark matter in a specific model. 
Ernest Ma (UC Riverside)