A considerable amount of the standard model's three-generation structure can be realised from just the $8C$-dimensional algebra of the complex octonions. Indeed, it is a little-known fact that the complex octonions can generate on their own a $64C$-dimensional space. Here we identify an $su(3)\oplus u(1)$ action which splits this $64C$-dimensional space into complexified generators of $SU(3)$, together with 48 states. These 48 states exhibit the behaviour of exactly three generations of quarks and leptons under the standard model's two unbroken gauge symmetries. This article builds on a previous one, [1], by incorporating electric charge. Finally, we close this discussion by outlining a proposal for how the standard model's full set of states might be identified within the left action maps of $R\otimes C\otimes H\otimes O$ (the Clifford algebra $Cl(8)$). Our aim is to include not only the standard model's three generations of quarks and leptons, but also its gauge bosons.