Before the first spin and after the last
A 96.71% return is an average over millions of spins, not a promise for tonight. How often the fisherman's round arrives is set spin by spin, and no session is due a catch because the last one was dry. Any result, on an A$0.40 stake or an A$5 stake, comes down to chance.
Which version of Bigger Bass Bonanza is running on these reels shows up only in the game rules, opened from the slot itself. That figure is the one that matters at the moment you play, because return percentages are set per version rather than printed on the screen.
A round capped at 4,000 times the stake can be worth A$960,000 at the top bet, but that ceiling is a limit, not a target. Reaching it takes a near-perfect free spins run with the collected money symbols stacking into the biggest multiplier, and most rounds finish far below it.