It’s 23 to 5 (Official clock system).

04:37

It’s 23 to 5.

Correct answer

04:36

It’s 24 to 5.

Error: 1 minute earlier

03:51

It’s 9 to 4.

Error: read minutes starting from hour markings and adding minutes

07:20

It’s 20 past 7.

Error: confuse hour and minute hands