It’s 17 to 4 (Official clock system).

03:43

It’s 17 to 4.

Correct answer

03:44

It’s 16 to 4.

Error: 1 minute later

02:49

It’s 11 to 3.

Error: read minutes starting from hour markings and adding minutes

09:15

It’s a quarter past 9.

Error: confuse hour and minute hands