It’s 14 to 9 (Official clock system).

08:46

It’s 14 to 9.

Correct answer

08:45

It’s a quarter to 9.

Error: 1 minute earlier

07:50

It’s 10 to 8.

Error: read minutes starting from hour markings and adding minutes

09:40

It’s 20 to 10.

Error: confuse hour and minute hands