A related question...
When is a game actually over? I have been to 5 regional and Kessel run tournaments (plus numerous other tournaments), and they have all followed 1 of 2 options:
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3. When time is called you get to finish the round -- so if you have at started the planning phase, you play through the combat phase (this could make a 75 minute game at least 5-10 minutes longer depending on where they are in the game when time is called, which seems like a lot).
Your #3 is actually the correct way to do it. From the tournament rules:
Each tournament match ends in one of the following three ways:
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At the end of the current round, the match time limit has been reached.
Note that a game round is all 4 phases (pg 5). So technically, there is no call of "Time's up!" that applies to every match equally. Players finish a round. Are they past the time limit? If they are, then their game is over. If not, they play another round. Wash, rinse, repeat, as they say.
If the time limit happens to hit very close between rounds it could get iffy. When I run events, as long as even a single dial is placed, you're obviously into the Planning Phase. If not, I consider whether tokens have been cleaned up - if they have, you're into planning, even if no actual dials are down yet.