I shall reiterate myself, and clarify the problem with 'multiplicity'. I will use the molecule 4-hydroxybutanoic acid as an example
HO-CH2-CH2-CH2-COOH, the H environment discussed in detail is at 3C. (second carbon from the left). There are 5 H environments, the H on 3C split by two neighbouring CH2 groups of different environments.
Firstly, to all you mathematicians, n+1 rule distributes peak intensity according to Pascal's triangle
In multiplicity, when n+1 rule is applied more than once, the intensity of each split peak is split again according to Pascal's triangle. E.g. for a multiplicity of 3x3, the peak ratios are (1.3.1)(3.9.3)(1.3.1)
Good chemists do not call this splitting a nonet, it is referred to as a triplet of triplets.
For this case, the H is split by neighbouring H environments that are only slightly different. Direct application of n+1 ignoring multiplicity will give 5 peaks with peak ratio (1,4,10,4,1).
However, on the actual printout of the sheet, you will notice that the peak ratios are slightly different, more like (1,6,11,6,1). On zooming in, you will also notice that the three middle peaks have tiny splits like small split-ends in hair. This is caused by multiplicity, since the actual mechanism dictates three triplets of triplets are produced. However, each separation in each triplet is of very similar magnitudes, thus the differences are tiny.
To be pedantic, a triplet of triplets are produced. A normal organic chemist will slap you for being so pedantic. It's close enough to a quintet, don't be so anal, the environments are very similar (but ever so slightly different). So at the VCE level, do NOT worry about multiplicity. VCAA won't give you a question where multiplicity actually matters. Be aware, know how, but don't use it unless it's a bleedingly obvious MCQ.
Attached is the splitting diagram for anyone interested.