File names are essentially arbitrary,
although usually one names files sensibly:
the files that make up a memo
might be called "memo1", "memo2", etc.
The contents of a file are also entirely up to you:
for example, a file named "memo" could contain
Analysis of Irregular Statistics
Bell Laboratories, Murray Hill, NJ
To get at the information in a file,
you have to use the file name,
which in this case is "memo".
Is there a difference between the name of a file
and the contents of a file?