It depends what she is saying fine to. If she's asked if she's okay and she says fine, that could be a lie and she just want to hide what's bothering her. But then again, she really could just be fine
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If a girl says "fine," it could indicate that she is okay or accepting the situation, but it could also imply that she is not completely happy or satisfied. It's important to consider the context and her tone of voice to fully understand her meaning.