'Twenty to five' . Means 'twenty minutes before five o'clock'.
Or ' Forty minutes past four o'clock'.
On the analogue clock the minute ( large) finger will be pointing at '8' or 'VIII'.
The hour (smaller) finger will be pointing between four and five.
On the digital clock it will be '0440' (morning) or '1640' (afternoon).
NB The phrase 'o'clock' is an historical corruption for 'of the clock'.
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If you are talking about numerical values, then a quarter of twenty is five. If you are talking about time, using the military designations, then a quarter of twenty would be five o'clock P.M.
6:25
two and twenty-five hundredthstwo and twenty-five hundredthstwo and twenty-five hundredthstwo and twenty-five hundredthstwo and twenty-five hundredths
Five times four is twenty. Twenty plus five is twenty-five. Twenty-five over five is five. The answer is five.
Eighty percent of twenty five is twenty.