umask and Default ACL Interaction

Issue

• In the following example with mask acl's, default mask acl's, and a generous umask, I'd expect a file to be created with rwxrwxr-x privs.  Instead I'm seeing rw-------.  Can you please help me understand why?

  bob@myhost:/bob/Tables> getfacl .
  # file: .
  # owner: bob
  # group: staff
  user::rwx
  group::r-x
  group:acl_bob_prog_int:rwx
  mask::rwx
  other::r-x
  default:user::rwx
  default:group::r-x
  default:group:acl_bob_prog_int:rwx
  default:mask::rwx
  default:other::r-x
  
  bob@myhost:/bob/Tables> umask
  0002
  
  bob@myhost:/bob/Tables> rm test.file
  rm: cannot remove `test.file': No such file or directory
  
  bob@myhost:/bob/Tables> touch test.file
  
  bob@myhost:/bob/Tables> ls -l test.file
  -rw-------+ 1 bob staff 0 Sep 30 14:41 test.file
  
  bob@myhost:/bob/Tables> getfacl test.file
  # file: test.file
  # owner: bob
  # group: staff
  user::rw-
  group::r-x                      #effective:---
  group:acl_bob_prog_int:rwx      #effective:---
  mask::---
  other::---