It’s 28 to 10 (Official clock system).

09:32

It’s 28 to 10.

Correct answer

09:31

It’s 29 to 10.

Error: 1 minute earlier

08:52

It’s 8 to 9.

Error: read minutes starting from hour markings and adding minutes

06:45

It’s a quarter to 7.

Error: confuse hour and minute hands