It’s 20 to 11 (Official clock system).

10:40

It’s 20 to 11.

Correct answer

11:20

It’s 20 past 11.

Error: mirror minute hand about the vertical axis

10:52

It’s 8 to 11.

Error: read minutes as hours with ‘past’ or ‘to’

08:50

It’s 10 to 9.

Error: confuse hour and minute hands