development certificate

Hello, I've been looking at the cookbook section and the development certificate has generated many doubts me because I have to look at the tutorials with the translation of the browser that is not always successful. I have some questions

1. I have to pay 99 dollars for the development certificate?
is looking videotutoriales developer.apple.com've seen in ios provisioning to access website but that option does not appear ami me

2. I have to download ios sdk and Xcode prior to the certificate?

3. I can do tests with the viewer without the certificate or the certificate I need development? what they need to have to do the tests with the viewer?

4. to make ad hoc tests needed development certificate or just need to install Xcode?

many thanks and sorry for my bad English

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