It’s 14 to 10 (Official clock system).

09:46

It’s 14 to 10.

Correct answer

09:45

It’s a quarter to 10.

Error: 1 minute earlier

08:50

It’s 10 to 9.

Error: read minutes starting from hour markings and adding minutes

08:46

It’s 14 to 9.

Error: confuse hour and minute hands and read as nearest hour