It’s 19 to 4 (Official clock system).

03:41

It’s 19 to 4.

Correct answer

03:40

It’s 20 to 4.

Error: 1 minute earlier

02:51

It’s 9 to 3.

Error: read minutes starting from hour markings and adding minutes

08:15

It’s a quarter past 8.

Error: confuse hour and minute hands