saa kumifour o'clockNi saa kumi za chisingi.It's four o'clock in the afternoon. (= It's ten o'clock pm Chizigula time.)Ni saa kumi za chiro.It's four o'clock at night. (= It's ten o'clock am Chizigula time.)Wata kwinula wawerega na ngoma zawo saa kumi za chiro.The awakeners are walking around with their drums at four o'clock am of the night.