A central gaming server communicates with a gaming workstation over a network, such as a local area network or wide area computer network. The gaming server makes an initial determination of payout percentage for an instance of a game engaged in by the workstation, and generates results of turns of the game in accordance with the initial payout percentage. In one embodiment, the payout percentage is dynamically changed by the gaming server, and it generates additional results of turns of the game using the new payout percentage. Triggers for determining a new payout percentage could be that a predetermined number of turns of play at the initial payout percentage have occurred, the elapsing of a certain amount of time, or the player logging off the game and then logging back on. In further embodiments, the gaming workstation includes a processor and instructions for locally determining an initial payout percentage, the results of play, and dynamically changing the payout percentage without requiring communication with a central gaming server.