About the mathematics of it all (which is quite beautiful - and fun!):
The difference between two consecutive terms is another term of the
Fibonacci sequence; in fact, it's equal to the previous term, that is
u(n)-u(n-1) = u(n-2).
So... they should be exponential!! (the reason is the same behind the
fact that any linear ODE of constant coefficients has exponential
solutions)
Now, lets write u(n) = k^n; we have
k^(n) = k^(n-1) + k^(n-2) <=> k^2 = k+1;
the solutions are Phi and -1/Phi = 1-Phi . So, we have two possible solutions,
u(n) = Phi^n
or
u(n) = (-1/Phi)^n
Which one is it? Well, the general solution will be a linear
combination of the two (linear coefficients => a linear combination of
solutions is still a solution), which means that
u(n) = A Phi^n - B/Phi^n
is the most general solution. We determine A and B with the initial conditions,
u(0)=0 and u(1) = 1, giving A=1/sqrt(5) and B=-A.
As -1/Phi is actually Phi-1, we can write
u(n) = 1/sqrt(5) * ( Phi^n - (1-Phi)^n ), which is the closed form
mentioned on Wikipedia.
As to the limit of the quotient: Phi>1 and 1/Phi <1, so in the limit
the term in (-1/Phi)^n goes to zero. Therefore, regardless (really?)
of the coefficients A and B, the quotient will always be Phi in the
limit. There are two obvious exceptions: when A=B=0 we have an
identically null sequence, and when A=0 and B isn't zero, we have
u(n) = B * (-1/Phi)^n, so the limit of the quotient is identically -1/Phi.
Take, for example, B=1; then we have
u(0) = 1
u(1) = -1/Phi.
So there's actually ONE situation in which the quotient is different,
which corresponds to a degenerate situation, where the quotient of the
two first elements is exactly one of the roots of the characteristic
equation. (the other degenerate case is when u(0)=1 and u(1)=Phi, in
which the quotient is also constant, identically equal to Phi).
So, Phi is a stable equilibrium while -1/Phi is an unstable
equilibrium. Anything exactly on the equilibrium points will remain
there while anything in between will be atracted by the stable points.
Now, a word of caution: the equilibrium at -1/Phi is quite unstable
and convergence to the stable equilibrium Phi is very, very fast. So
if any error is introduced into the algorithm, no matter how small,
you won't get to see that u(100)/u(99) = -1/Phi.
Don't even try to compute the quotient on the Nspire; the answer will
be approximate and convergence to the stable equilibrium is very, very
fast. So you won't get -0.618... but instead 1.618... This is because
even a small error of the magnitude of 10^-14 will propagate at an
incredible speed and within only 30 or 40 iterations the result
converges to the stable equilibrium point. The same happens even on
the Nspire CAS if you press Ctrl+Enter to compute a fast answer. The
only way you'll get the correct answer is if you compute it
simbolically and then copy&paste the result and approximate only the
final result. The same will happen on any software as long as you ask
for approximate answers too soon. (e.g., Mathematica 6 does the same).
Approximating the expansion of (1-Phi)^n is definitely not a good
idea.
Even increasing the precision would only mean that convergence to Phi
would be delayed... by a few iterations.
A lot more could be said about Fibonacci, convergence, the golden
ration, game theory, chaos and a lot more things that come up from a
simple rabbit problem, but... well this post is too long already.
Have fun exploring Fibonacci and his wonderful rabbits!
Nelson