In digital time, 3.40 means 3 o'clock and 40 minutes.<br><br>
&bull; 40 minutes past 3 means there are 60 &minus; 40 = 20 minutes left until 4 o'clock.<br>
&bull; When we count how many minutes until the NEXT hour, we say "to."<br>
&bull; So 3.40 is 20 minutes to 4.<br><br>
Final Answer: to