Previously the rule said: "Timer ends on the regaining control of your character after talking to Tom Nook and paying off your first debt."

This was a little ambiguous, as some runs stopped the timer when the final text box cleared:

Others waited until the camera faded out to neutral (or somewhere in between):

For consistency and easier timing, the new timer stop rule is: "Timer stops when the last text box closes after paying your first debt to Tom Nook."

All existing runs have been checked and re-timed as needed - thanks.