  In this paper, we consider the diagonal reflection symmetries and three-zero
texture in the SM. The three-zero texture has two less assumptions
($(M_{u})_{11} , (M_{\nu})_{11} \neq 0$) than the universal four-zero texture
for mass matrices $(M_{f})_{11} = (M_{f})_{13,31} = 0$ for $f = u,d,\nu, e$.
The texture and symmetries reproduce the CKM and MNS matrices with accuracies
of $O(10^{-4})$ and $O(10^{-3})$.
  By assuming a $d$-$e$ unified relation ($M_{d} \sim M_{e}$), this system
predicts the normal hierarchy, the Dirac phase $\delta_{CP} \simeq
202^{\circ},$ the Majorana phases $\alpha_{12} = 11.3^{\circ}, \alpha_{13} =
6.90^{\circ}$ up to $\pi$, and the lightest neutrino mass $m_{1} \simeq
2.97\,-\,4.72\,$[meV]. The effective mass of the double beta decay $|m_{ee}|$
is found to be $1.24 \sim 1.77 \,$[meV].
