for some emulators, u will need cIOS202v5 with base 57
for USB Loaders, u will need cIOS249 v19 or cIOS222/223 v4 or v5 (to support fat32)
the HBC supports fat32 natively (but not USB2 speeds)
if u are confused about where to get these or how to install them, just download and run the wizard function of NUS Auto Downloader