Creating a DF with MUSCLE

Hello all, 
I had a few newbie questions

1) I would like to create a few dedicated files on my smart card. Is
   writing a program and following the MUSCLE API the only way to
   personalize smart cards or is it possible to do this through
   muscleTool or xcard?

2) When keys are created on a Cryptoflex smart card, how are they stored
   on the card? Are the stored in elementary files? If so, is it a
   linear, transparent, cyclic or other type of file?

3) Are there any muscle applications I can use to see the file systems
   structure of the smart card? I understand there is a opensc-explorer
   tool which can be used to do this under opensc tools, I was wondering
   if there were others?

Thanks
derrick

sorry if this message is a repeat