An algebraic model for quark mass matrices with heavy top

In terms of an intergeneration U(3) algebra, a numerical model is constructed for quark mass matrices, predicting the top-quark mass around 170 GeV and the CP-violating phase around 75 deg. The CKM matrix is nonsymmetric in moduli with |Vub| being very small. All moduli are consistent with their experimental limits. The model is motivated by the author's previous work on three replicas of the Dirac particle, presumably resulting into three generations of leptons and quarks. The paper may be also viewed as an introduction to a new method of intrinsic dynamical description of lepton and quark mass matrices. (author)