What files system is windows 95 using?

The introduction of 32-bit File Access in Windows for Workgroups 3.11 meant that 16-bit real mode MS-DOS was no longer used for managing the files while Windows was running, and the earlier introduction of the 32-bit Disk Access meant that the PC BIOS wasn't used for managing hard disks. This essentially reduced MS-DOS to the role of a boot loader for the protected-mode Windows kernel. DOS could still be used for running old-style drivers for compatibility, but Microsoft discouraged using them, as this prevented proper multitasking and impaired system stability. The Control Panel allowed a user to see what MS-DOS components were still used by the system; optimal performance was achieved when they were all bypassed. The Windows kernel still used MS-DOS style real-mode drivers in the so-called Safe mode, but this mode existed merely to allow a user to fix problems with loading native, protected-mode drivers.