Some additional information, for the sake of clarity: umask(2) says:
A child process created via fork(2) inherits its parent's umask. The umask is left unchanged by execve(2).
I am assuming therefore that my umask having been set, by my .profile, by /etc/gdm/Xsession, that the same process will (eventually) start gnome-terminal-server (via gnome-terminal), and that therefore the umask I set should be inherited (as occurs with xterm).
This is why I believe that something has changed the umask.
Some additional information, for the sake of clarity: umask(2) says:
A child process created via fork(2) inherits its parent's umask. The umask is left unchanged by execve(2).
I am assuming therefore that my umask having been set, by my .profile, by /etc/gdm/Xsession, that the same process will (eventually) start gnome-terminal- server (via gnome-terminal), and that therefore the umask I set should be inherited (as occurs with xterm).
This is why I believe that something has changed the umask.