Let me answer the easy one first. You can mount a WINdows disk as mount -f "fstype" device. Do a "man 1m mount" or "man mount" and look for a -f option for mounting a certain type of filesystem.
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You can do this the old-fashioned way. Also there are free add_user scripts on the web as well.
1) create the user's home directory
mkdir /home/user1
2) Assign a unique UID and pick the GID group Id that you want this person to be a member of.
You may need to edit /etc/group and add a line like
users::333:
3)edit /etc/passwd.
user1
asswdhere:UID:
333:"user info here":/home/user1:/usr/bin/ksh
4) copy from /etc/skel to /home/user1 the config files and startup files. Or you can copy from the root user but change the PATH var so it doesn't include forbidden directories.
cp /etc/skel/* /home/user1
-r--r--r-- 1 bin bin 814 Nov 7 1997 .cshrc
-r--r--r-- 1 bin bin 347 Oct 27 1997 .exrc
-r--r--r-- 1 bin bin 341 Nov 7 1997 .login
-r--r----- 1 bin bin 445 Jun 12 2000 .profile
5) assign a passwd for the user.
passwd user1
New password:
Re-enter new password:
6) Login as the user to test the passwd.
7) Check the env for the user. PATH variable, TERM, create any aliases for common commands.
This should get you on the way. You can do a google search to check for sites that have scripts for adding users. BTW, look in /usr/local/bin or ../sbin or maybe in /usr/sbin/useradd.
Hope this is informative.