It’s 14 to 11 (Official clock system).

10:46

It’s 14 to 11.

Correct answer

10:45

It’s a quarter to 11.

Error: 1 minute earlier

09:50

It’s 10 to 10.

Error: read minutes starting from hour markings and adding minutes

09:46

It’s 14 to 10.

Error: confuse hour and minute hands and read as nearest hour