a quarter to
three
` It 's only just round in Duke Street ; you know , the `` Shining Light Chapel '' , ' said Elsie . ` It commences at three o'clock . ' ` All right , ' said Nora . ` I 'll have Frankie ready at a quarter to three . But now you must run home as fast as you can . Did you like those cakes ? ' ` Yes , thank you very much , ' answered Elsie .