It’s 12 to 11 (Official clock system).

10:48

It’s 12 to 11.

Correct answer

10:49

It’s 11 to 11.

Error: 1 minute later

09:48

It’s 12 to 10.

Error: read minutes starting from hour markings and adding minutes

10:50

It’s 10 to 11.

Error: confuse hour and minute hands