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How the Fortune Gems multiplier is applied
When comparing descriptions of Fortune Gems RTP, first separate the base game from its multiplier feature. TaDa describes a fourth reel whose centre position may show 1x, 2x, 3x, 5x, 10x or 15x. A matching-symbol win is formed on the main grid before the multiplier affects that win. The feature changes the size of some outcomes; it does not make a single spin follow the published long-run RTP.
A simple way to read a 96.5% theoretical RTP
Imagine total wagers of 100 units across a very large simulated sample. A 96.5% RTP corresponds to 96.5 units returned in aggregate and 3.5 units not returned in that model. This is only a way to interpret TaDa's published Fortune Gems figure; one person wagering 100 units can finish above or below that amount. The model says nothing about the order of wins or how quickly a particular session changes balance.
Why a short Fortune Gems session cannot verify RTP
A screenshot of a winning spin or a short player's diary can describe that session, but it is not a test of Fortune Gems RTP. TaDa calculated its published figure over one billion simulated rounds, far beyond a handful of spins. When two reviews report different outcomes, compare their game identity and sample size rather than averaging those small sessions into a new RTP claim. Keep reported experiences separate from the publisher's game-sheet statistic. To avoid viewing fortune gems rtp in isolation, compare it with fortune dragon bonus and note the differences between them.
Fortune Gems RTP in the original TaDa release
The original Fortune Gems 96.5% figure describes a long-run game-sheet result, not an individual player's expected return in a short session. If a lobby shows another number, identify the exact game and configuration before treating the figures as interchangeable.