It’s 19 to 10 (Official clock system).

09:41

It’s 19 to 10.

Correct answer

09:40

It’s 20 to 10.

Error: 1 minute earlier

08:51

It’s 9 to 9.

Error: read minutes starting from hour markings and adding minutes

08:45

It’s a quarter to 9.

Error: confuse hour and minute hands