Dutch is my second language, my kids are Dutch, but they still sometimes struggle with the time. "Tien voor half vijf" (ten before half five) is indeed 4:20.

Dutch is my second language, my kids are Dutch, but they still sometimes struggle with the time. "Tien voor half vijf" (ten before half five) is indeed 4:20. "Tien over half vijf" (ten after half five) is 4:40. Then when it's 4:45, it's "kwart voor vijf" (quarter before five). I always have to think about it before I say it.