Below is an example of what's happening. The first 2 commands display the umask output and directory permissions. Afterwards is an example of what's happening. There is only one file in the "project 3" directory, called "bko.fnl". I copy the this file to a new file called "bko.dos". The file is created but is "hidden" when using the "ls" command, and the contents can be viewed with the "more" command. It can also be removed. But when the new file has the name "testfile" it's not "hidden" and can be seen using "ls". I should also note that I can see the "bko.dos" file when I'm using the desktop file manager.

user55@gamera> umask
0022
user55@gamera> ls -la
total 14
total 14
drwxr-xr-x 7 user55 staff 512 May 22 17:05 .
drwxr-xr-x 5 user55 staff 048 May 23 14:38 ..
drwxr-xr-x 2 user55 staff 1024 May 23 14:38 project3
drwxr-xr-x 2 user55 staff 3072 May 23 12:09 project4
user55@gamera> cd project3
user55@gamera> ls -la
total 4
total 4
drwxr-xr-x 2 user55 staff 512 May 23 14:42 .
drwxr-xr-x 7 user55 staff 512 May 22 17:05 ..
-rw-r--r-- 1 user55 staff 32 May 23 14:42 bko.fnl
user55@gamera> more bko.fnl
Test file, contents of bko.fnl.
user55@gamera> cp bko.fnl bko.dos
user55@gamera> ls -la
total 4
total 4
drwxr-xr-x 2 user55 staff 512 May 23 14:42 .
drwxr-xr-x 7 user55 staff 512 May 22 17:05 ..
-rw-r--r-- 1 user55 staff 32 May 23 14:42 bko.fnl
user55@gamera> more bko.dos
Test file, contents of bko.fnl.
user55@gamera> rm bko.dos
user55@gamera> cp bko.fnl testfilename
user55@gamera> ls -la
total 4
total 4
drwxr-xr-x 2 user55 staff 512 May 23 14:51 .
drwxr-xr-x 7 user55 staff 512 May 22 17:05 ..
-rw-r--r-- 1 user55 staff 32 May 23 14:42 bko.fnl
-rw-r--r-- 1 user55 staff 32 May 23 14:51 testfilename
user55@gamera> more testfilename
Test file, contents of bko.fnl.
user55@gamera>