Ok so im trying to make sense of these tranny terms.

Say you have a drop off 5.1 rear and 3.62 front on a 4x4 transmission.

Is that to say that you need a 5.1 cwp on the back and 3.62 on the front?
if so... how do you then calculate the speed? what is the final drive ratio?
5.1 or 3.62?