It is shown that the bi-maximal solution is the only possibility to reconcile Zee-type neutrino mass matrix with three flavors to the current atmospheric and solar neutrino experimental data. The mass of the lightest neutrino, which consist mostly of $ u_{mu}$ and $ u_{tau}$, is $simeq Delta m_{odot}^2/(2sqrt{Delta m_{atm}^2})$. The related topics on Zee-type neutrino mass matrix are also discussed.
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