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The Spanish reveal fortune and returns are not too bad (9)

Ross

I believe the answer is:

tolerable

I'm a little stuck... Click here to teach me more about this clue!

'too bad' is the definition.
Both the definition and answer are adjectives. Maybe you can see an association between them that I don't see?

'the spanish reveal fortune and returns are not' is the wordplay.
I cannot quite understand how this works, but
'the' could be 't' (the is pronounced as a 't' sound in some dialects) and 't' is present in the answer.
an anagram of 'are' is 'era' which is present in the answer.
'not' could be 'o' (I've seen this in other clues) and 'o' is found within the answer.
This explanation may well be incorrect...

Can you help me to learn more?

(Other definitions for tolerable that I've seen before include "Passable" , "Fairly good" , "Adequate" , "may be accepted?" , "Bearable" .)

I've seen this clue in the Sydney Morning Herald.
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