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I am guessing that the one use in Wp34S use the equation with golden ratio constant to directly calc the fib term, and not by adding terms? fib(20) and fib(1700) takes same amount of time on wp34s

Kind of. It calculates the result directly in real and complex modes. In integer mode it uses repeated addition.

- Pauli

really? so if i am in integer mode it actually would do addition of terms? interesting...

But not too exciting: FIB(93) is the limit for UNSIGNed integers, then it's going to overflow. E.g. FIB(100) simply returns zero with flag B set.