A Physical Origin for Mass and Charge
  This article proposes a concept called Condensed Electromagnetic Radiation (CER) as the electromagnetic origin of mass particles. An overwhelming amount of experimental evidence is consistent with the CER concept as a fundamental explanation for the physical properties of mass particles. Among many others cited, two well-established physical phenomena offer especially compelling evidence: parametric down conversion of photons, and generation of leptons and quarks. 
Erik Haeffner