Off-diagonal structure of neutrino mass matrix in see-saw mechanism and   electron-muon-tau lepton universality
  By a simple extension of the standard model in which ($e-\mu -\tau $) universality is not conserved, we present a scenario within the framework of see-saw mechanism in which the neutrino mass matrix is strictly off-diagonal in the flavor basis. We show that a version of this scenario can accomodate the atmospheric $\nu_\mu -\nu_\tau $ neutrino oscillations and $\nu_\mu -\nu_e$ oscillations claimed by the LSND collaboration.   PACS: 14.60.Pq; 14.60.St;13.15.+g 
Riazuddin