An expression I’ve heard from time to time from Americans, but never, ever Canadians, is “five of nine,” as a time.
Now the peculiar thing is that I believe I’ve heard this from different parts of the US meaning either five to nine, or five past nine (as a Canadian would say).
Therefore, please state:
a) your location;
b) whether you would say “five of nine”;
c) whether it means 8:55 or 9:05.