Q: What is the difference between the Kernel/OS (EOS) and the Firmware?
A: There are two things you need to keep in mind here: Internal firmware and kernel/OS. The internal firmware is the internal software of your SuperCard itself, stored *only* in your SuperCard. Whereas EOS is the kernel/OS, the software that your SuperCard runs from the microSD.
Think of your microSD as the harddisk. You put Windows (the OS) on your harddisk on your computer, and when your computer turns on it runs Windows. And from Windows it runs the rest of your programs, like games. If the microSD is your harddisk, and the EOS is your Windows, then the Firmware is the stuff your computer runs before it loads Windows.
If you've never seen it before restart your computer right now, and look at what it does after it turns itself on again. It will always load something before Windows. And that "something" is in the internal 'memory' of your computer, just like your Firmware is in the internal memory of your SuperCard.