There's nothing wrong with asking it, yes it could be one of 4 or so ratios STOCK, but could be any number if ever replaced, which is entirely possible.
Most (like myself) recommend pulling the cover because not only will you know exactly what's in there (gears, as well as limited slip, etc) but you will then know it's general condition, and you know you have the correct amount and type of fluid to make sure it continues to work the way it should.