So that, if you do not hang up properly and remain connected accidentally, you won't run up a huge bill.
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If the time is between midnight and 1 AM, call the hour "00" instead of "12". If the time is between 1 AM and 1 PM, both systems are exactly the same. If the time is between 1 PM and midnight, add 12 to the hour.
It can be anywhere from an hour to a week. Call a doctor !
4
0.25 = 1/4 1 hour = 60 minutes 1/4 hour = 15 minutes 1 and 1/4 hour = 75 minutes
90 min / 1 hour = 1.5 hour/1 hour = 1.5