It’s 1 to 10 (Official clock system).

09:59

It’s 1 to 10.

Correct answer

10:00

It’s 10 o’clock.

Error: 1 minute later

08:49

It’s 11 to 9.

Error: read minutes starting from hour markings and adding minutes

12:45

It’s a quarter to 1.

Error: confuse hour and minute hands