{"id":62,"date":"2026-03-29T22:52:14","date_gmt":"2026-03-29T20:52:14","guid":{"rendered":"https:\/\/jacekhoroszko.com\/index.php\/home\/"},"modified":"2026-06-30T14:56:06","modified_gmt":"2026-06-30T12:56:06","slug":"home","status":"publish","type":"page","link":"https:\/\/jacekhoroszko.com\/","title":{"rendered":"Home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"62\" class=\"elementor elementor-62\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17eadbc e-con-full e-flex e-con e-parent\" data-id=\"17eadbc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bec4d91 e-con-full e-flex e-con e-child\" data-id=\"bec4d91\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff18945 elementor-widget elementor-widget-heading\" data-id=\"ff18945\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Jacek Horoszko Investment Partner<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ddbc5e elementor-mobile-align-center elementor-align-left elementor-invisible elementor-widget elementor-widget-button\" data-id=\"8ddbc5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/calendly.com\/horoszkojacek\/wealth-management\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">POROZMAWIAJMY<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e24e553 e-con-full e-flex e-con e-child\" data-id=\"e24e553\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e07416a e-flex e-con-boxed e-con e-parent\" data-id=\"5e07416a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d08833 elementor-widget elementor-widget-menu-anchor\" data-id=\"3d08833\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"BIO\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13ca4282 elementor-widget elementor-widget-heading\" data-id=\"13ca4282\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">O mnie<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-47bb9e4b e-con-full e-flex e-con e-child\" data-id=\"47bb9e4b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cb18cf4 elementor-widget elementor-widget-text-editor\" data-id=\"1cb18cf4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Finanse postrzegam jako obszar odpowiedzialno\u015bci, kt\u00f3ry wymaga spokoju, refleksji i d\u0142ugoterminowego my\u015blenia. Przez lata pracy przekona\u0142em si\u0119, \u017ce najwa\u017cniejsze w inwestowaniu nie s\u0105 emocje ani chwilowe okazje, lecz konsekwencja i \u015bwiadomo\u015b\u0107 podejmowanych decyzji.<\/span><\/p><p><span style=\"font-weight: 400;\">Od ponad dziesi\u0119ciu lat wsp\u00f3\u0142pracuj\u0119 z osobami, kt\u00f3re chc\u0105 uporz\u0105dkowa\u0107 swoje sprawy finansowe i podejmowa\u0107 decyzje w spos\u00f3b przemy\u015blany. Wspieram ich w zrozumieniu dost\u0119pnych rozwi\u0105za\u0144 inwestycyjnych, omawiaj\u0105c ich charakterystyk\u0119 oraz potencjalne ryzyka. Zale\u017cy mi na tym, aby ka\u017cda decyzja by\u0142a podj\u0119ta w zgodzie z indywidualn\u0105 sytuacj\u0105 \u017cyciow\u0105, celami oraz poziomem akceptacji ryzyka.<\/span><\/p><p><span style=\"font-weight: 400;\">W mojej pracy szczeg\u00f3lnie istotne jest budowanie trwa\u0142ych relacji. Uwa\u017cam, \u017ce zaufanie nie powstaje w wyniku jednej rozmowy, lecz poprzez systematyczn\u0105, otwart\u0105 komunikacj\u0119 i transparentno\u015b\u0107. Dlatego ka\u017cd\u0105 wsp\u00f3\u0142prac\u0119 rozpoczynam od poznania cz\u0142owieka &#8211; jego do\u015bwiadcze\u0144, plan\u00f3w, obaw i oczekiwa\u0144. Dopiero na tym fundamencie mo\u017cna w spos\u00f3b odpowiedzialny omawia\u0107 dost\u0119pne mo\u017cliwo\u015bci finansowe.<\/span><\/p><p><span style=\"font-weight: 400;\">Bliskie jest mi podej\u015bcie, w kt\u00f3rym maj\u0105tek traktowany jest nie jako cel sam w sobie, lecz jako narz\u0119dzie do realizacji wa\u017cnych \u017cyciowych plan\u00f3w &#8211; bezpiecze\u0144stwa rodziny, stabilno\u015bci biznesu, niezale\u017cno\u015bci czy spokojnej przysz\u0142o\u015bci. W\u0142a\u015bnie dlatego koncentruj\u0119 si\u0119 na d\u0142ugim horyzoncie i uporz\u0105dkowanym procesie decyzyjnym.<\/span><\/p><p><span style=\"font-weight: 400;\">Specjalizuj\u0119 si\u0119 w pracy z klientami indywidualnymi oraz przedsi\u0119biorcami, kt\u00f3rzy oczekuj\u0105 partnerskiej relacji, jasnych zasad wsp\u00f3\u0142pracy oraz odpowiedzialnego podej\u015bcia do zarz\u0105dzania sprawami finansowymi. Wierz\u0119, \u017ce prawdziwa warto\u015b\u0107 w tej bran\u017cy nie polega na obietnicach, lecz na rzetelno\u015bci, do\u015bwiadczeniu i konsekwencji.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02313f2 elementor-mobile-align-center elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"02313f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/calendly.com\/horoszkojacek\/wealth-management\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SKONTAKTUJ SI\u0118<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-603cf9f8 e-con-full e-flex e-con e-parent\" data-id=\"603cf9f8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1953c3b elementor-widget elementor-widget-menu-anchor\" data-id=\"1953c3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"WORK\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3445ee9d elementor-widget elementor-widget-heading\" data-id=\"3445ee9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Etapy wsp\u00f3\u0142pracy<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-750aab8a e-con-full e-flex e-con e-child\" data-id=\"750aab8a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1da9257 e-con-full e-flex e-con e-child\" data-id=\"1da9257\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53fb011 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"53fb011\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-search\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 442.7L405.3 343c-4.5-4.5-10.6-7-17-7H372c27.6-35.3 44-79.7 44-128C416 93.1 322.9 0 208 0S0 93.1 0 208s93.1 208 208 208c48.3 0 92.7-16.4 128-44v16.3c0 6.4 2.5 12.5 7 17l99.7 99.7c9.4 9.4 24.6 9.4 33.9 0l28.3-28.3c9.4-9.4 9.4-24.6.1-34zM208 336c-70.7 0-128-57.2-128-128 0-70.7 57.2-128 128-128 70.7 0 128 57.2 128 128 0 70.7-57.2 128-128 128z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h6 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t1. Analiza i poznanie sytuacji\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h6>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPierwsze spotkanie ma charakter informacyjny. Rozmawiamy o celach, horyzoncie czasowym, do\u015bwiadczeniu oraz poziomie akceptacji ryzyka. To moment na uporz\u0105dkowanie oczekiwa\u0144 i wzajemne poznanie si\u0119.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5301c03 e-con-full e-flex e-con e-child\" data-id=\"5301c03\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df5fb0f elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"df5fb0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chart-line\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M496 384H64V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-32c0-8.84-7.16-16-16-16zM464 96H345.94c-21.38 0-32.09 25.85-16.97 40.97l32.4 32.4L288 242.75l-73.37-73.37c-12.5-12.5-32.76-12.5-45.25 0l-68.69 68.69c-6.25 6.25-6.25 16.38 0 22.63l22.62 22.62c6.25 6.25 16.38 6.25 22.63 0L192 237.25l73.37 73.37c12.5 12.5 32.76 12.5 45.25 0l96-96 32.4 32.4c15.12 15.12 40.97 4.41 40.97-16.97V112c.01-8.84-7.15-16-15.99-16z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t2. Om\u00f3wienie rozwi\u0105za\u0144\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNa podstawie pierwszej rozmowy przedstawiam dost\u0119pne mo\u017cliwo\u015bci, omawiaj\u0105c ich charakterystyk\u0119 oraz potencjalne ryzyka.\nCelem jest pe\u0142ne zrozumienie, a nie szybka decyzja.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0124207 e-con-full e-flex e-con e-child\" data-id=\"0124207\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51967ae elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"51967ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-file-signature\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M218.17 424.14c-2.95-5.92-8.09-6.52-10.17-6.52s-7.22.59-10.02 6.19l-7.67 15.34c-6.37 12.78-25.03 11.37-29.48-2.09L144 386.59l-10.61 31.88c-5.89 17.66-22.38 29.53-41 29.53H80c-8.84 0-16-7.16-16-16s7.16-16 16-16h12.39c4.83 0 9.11-3.08 10.64-7.66l18.19-54.64c3.3-9.81 12.44-16.41 22.78-16.41s19.48 6.59 22.77 16.41l13.88 41.64c19.75-16.19 54.06-9.7 66 14.16 1.89 3.78 5.49 5.95 9.36 6.26v-82.12l128-127.09V160H248c-13.2 0-24-10.8-24-24V0H24C10.7 0 0 10.7 0 24v464c0 13.3 10.7 24 24 24h336c13.3 0 24-10.7 24-24v-40l-128-.11c-16.12-.31-30.58-9.28-37.83-23.75zM384 121.9c0-6.3-2.5-12.4-7-16.9L279.1 7c-4.5-4.5-10.6-7-17-7H256v128h128v-6.1zm-96 225.06V416h68.99l161.68-162.78-67.88-67.88L288 346.96zm280.54-179.63l-31.87-31.87c-9.94-9.94-26.07-9.94-36.01 0l-27.25 27.25 67.88 67.88 27.25-27.25c9.95-9.94 9.95-26.07 0-36.01z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t3. \u015awiadoma decyzja finansowa\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tDecyzja inwestycyjna zawsze pozostaje po stronie klienta.\nMoim zadaniem jest zapewnienie przejrzysto\u015bci informacji oraz uporz\u0105dkowanie procesu tak, aby decyzja by\u0142a podj\u0119ta w spos\u00f3b spokojny i przemy\u015blany.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa16006 e-con-full e-flex e-con e-child\" data-id=\"fa16006\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-586e7e3 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"586e7e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-handshake\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M519.2 127.9l-47.6-47.6A56.252 56.252 0 0 0 432 64H205.2c-14.8 0-29.1 5.9-39.6 16.3L118 127.9H0v255.7h64c17.6 0 31.8-14.2 31.9-31.7h9.1l84.6 76.4c30.9 25.1 73.8 25.7 105.6 3.8 12.5 10.8 26 15.9 41.1 15.9 18.2 0 35.3-7.4 48.8-24 22.1 8.7 48.2 2.6 64-16.8l26.2-32.3c5.6-6.9 9.1-14.8 10.9-23h57.9c.1 17.5 14.4 31.7 31.9 31.7h64V127.9H519.2zM48 351.6c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16c0 8.9-7.2 16-16 16zm390-6.9l-26.1 32.2c-2.8 3.4-7.8 4-11.3 1.2l-23.9-19.4-30 36.5c-6 7.3-15 4.8-18 2.4l-36.8-31.5-15.6 19.2c-13.9 17.1-39.2 19.7-55.3 6.6l-97.3-88H96V175.8h41.9l61.7-61.6c2-.8 3.7-1.5 5.7-2.3H262l-38.7 35.5c-29.4 26.9-31.1 72.3-4.4 101.3 14.8 16.2 61.2 41.2 101.5 4.4l8.2-7.5 108.2 87.8c3.4 2.8 3.9 7.9 1.2 11.3zm106-40.8h-69.2c-2.3-2.8-4.9-5.4-7.7-7.7l-102.7-83.4 12.5-11.4c6.5-6 7-16.1 1-22.6L367 167.1c-6-6.5-16.1-6.9-22.6-1l-55.2 50.6c-9.5 8.7-25.7 9.4-34.6 0-9.3-9.9-8.5-25.1 1.2-33.9l65.6-60.1c7.4-6.8 17-10.5 27-10.5l83.7-.2c2.1 0 4.1.8 5.5 2.3l61.7 61.6H544v128zm48 47.7c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16c0 8.9-7.2 16-16 16z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t4. D\u0142ugofalowa wsp\u00f3\u0142praca\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWsp\u00f3\u0142praca nie ko\u0144czy si\u0119 na jednej decyzji.\nRegularnie omawiamy sytuacj\u0119, zmiany rynkowe oraz aktualno\u015b\u0107 przyj\u0119tych za\u0142o\u017ce\u0144, zachowuj\u0105c d\u0142ugoterminow\u0105 perspektyw\u0119.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a87bcce e-flex e-con-boxed e-con e-parent\" data-id=\"a87bcce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75396b2 elementor-mobile-align-center elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"75396b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/calendly.com\/horoszkojacek\/wealth-management\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SPRAWD\u0179MY TO RAZEM<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46591b8d e-con-full e-flex e-con e-parent\" data-id=\"46591b8d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9668144 elementor-widget elementor-widget-menu-anchor\" data-id=\"9668144\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"REVIEW\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fe2f3f elementor-widget elementor-widget-heading\" data-id=\"0fe2f3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Opinie<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25fa6f6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"25fa6f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9133c5e e-con-full e-flex e-con e-child\" data-id=\"9133c5e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b7691c7 elementor-widget elementor-widget-testimonial\" data-id=\"6b7691c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-content\">\"Pracuj\u0119 zdalnie i sporo podr\u00f3\u017cuj\u0119, wi\u0119c d\u0142ugo odk\u0142ada\u0142em temat finans\u00f3w na p\u00f3\u017aniej. Spotkanie z Jackiem troch\u0119 mi to pouk\u0142ada\u0142o. Nie by\u0142o \u017cadnego \u201esprzedawania\u201d, tylko konkretna rozmowa o tym, gdzie jestem i dok\u0105d chc\u0119 doj\u015b\u0107.\nUda\u0142o si\u0119 zbudowa\u0107 prosty plan \u2013 z jednej strony odk\u0142adam na przysz\u0142e mieszkanie, a z drugiej zaczynam inwestowa\u0107, \u017ceby pieni\u0105dze nie le\u017ca\u0142y bez sensu. Mam poczucie, \u017ce w ko\u0144cu robi\u0119 co\u015b \u015bwiadomie, a nie \u201ena oko\u201d. I co wa\u017cne \u2013 wszystko jest dopasowane do mojego stylu \u017cycia.\"<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">Marek z \u0141odzi<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bf8f8e5 elementor-widget elementor-widget-testimonial\" data-id=\"6bf8f8e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-content\">\"Jestem na etapie, gdzie \u017cycie zaczyna si\u0119 uk\u0142ada\u0107 \u2013 rozw\u00f3j zawodowy, stabilny zwi\u0105zek, wsp\u00f3lne plany na przysz\u0142o\u015b\u0107. Zale\u017ca\u0142o mi na kim\u015b, kto pomo\u017ce to wszystko sensownie pouk\u0142ada\u0107 finansowo.\nJacek podszed\u0142 do tego bardzo spokojnie i konkretnie. Najpierw rozmowa o planach \u2013 \u015blub, dom, bezpiecze\u0144stwo \u2013 a dopiero p\u00f3\u017aniej rozwi\u0105zania. Dzi\u0119ki temu mam poczucie, \u017ce to naprawd\u0119 \u201enasz\u201d plan, a nie co\u015b z szablonu.\nCzuj\u0119 du\u017co wi\u0119kszy spok\u00f3j, bo wiem, \u017ce dzia\u0142amy w dobrym kierunku i mamy kontrol\u0119 nad tym, co b\u0119dzie dalej.\"<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">Joanna z Warszawy<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d70ab8c elementor-widget elementor-widget-testimonial\" data-id=\"d70ab8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-content\">\"Prowadz\u0119 firm\u0119, ale przez lata brakowa\u0142o mi czasu, \u017ceby strategicznie podej\u015b\u0107 do prywatnych finans\u00f3w. Z Jackiem uda\u0142o si\u0119 to w ko\u0144cu uporz\u0105dkowa\u0107.\nNajbardziej doceniam to, \u017ce patrzy szerzej \u2013 nie tylko na inwestycje, ale na ca\u0142y maj\u0105tek i przysz\u0142o\u015b\u0107 mojej rodziny. Mamy jasno okre\u015blony plan: jak zabezpieczy\u0107 to, co ju\u017c zbudowa\u0142em i jak dalej pomna\u017ca\u0107 kapita\u0142, \u017ceby w pewnym momencie m\u00f3c zwolni\u0107 tempo.\nTo daje du\u017c\u0105 pewno\u015b\u0107 \u2013 wiem, \u017ce moje pieni\u0105dze pracuj\u0105, a ja mog\u0119 skupi\u0107 si\u0119 na biznesie i czasie z rodzin\u0105.\"<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">Dariusz z Wroc\u0142awia<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a94e04 e-con-full e-flex e-con e-parent\" data-id=\"2a94e04\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9659fe8 elementor-widget elementor-widget-menu-anchor\" data-id=\"9659fe8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"CONTACT\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba697ef elementor-widget elementor-widget-heading\" data-id=\"ba697ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kontakt<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f3e5b2 eael-wpforms-labels-yes eael-wpforms-form-button-custom elementor-widget elementor-widget-eael-wpforms\" data-id=\"9f3e5b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-wpforms.default\">\n\t\t\t\t\t            <div class=\"eael-contact-form eael-wpforms eael-wpforms-align-default\">\n                                <div class=\"wpforms-container wpforms-container-full wpforms-render-modern\" id=\"wpforms-173\"><form id=\"wpforms-form-173\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"173\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/index.php\/wp-json\/wp\/v2\/pages\/62\" data-token=\"637219b302c1bb60c54fe916e4a4a3c4\" data-token-time=\"1783746066\"><div class=\"wpforms-head-container\"><\/div><noscript class=\"wpforms-error-noscript\">Aby wype\u0142ni\u0107 ten formularz, w\u0142\u0105cz obs\u0142ug\u0119 JavaScript w przegl\u0105darce.<\/noscript><div id=\"wpforms-error-noscript\" style=\"display: none;\">Aby wype\u0142ni\u0107 ten formularz, w\u0142\u0105cz obs\u0142ug\u0119 JavaScript w przegl\u0105darce.<\/div><div class=\"wpforms-field-container\"><div id=\"wpforms-173-field_1-container\" class=\"wpforms-field wpforms-field-name\" 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class=\"elementor-element elementor-element-7ea809c elementor-widget elementor-widget-menu-anchor\" data-id=\"7ea809c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"CONTACT\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b91c3db elementor-widget elementor-widget-heading\" data-id=\"b91c3db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kontakt<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d59332 elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"4d59332\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\n     Kalkulator IKE \/ IKZE \u2014 Jacek Horoszko Investment Partner\n     Wklej CA\u0141\u0104 zawarto\u015b\u0107 tego pliku do bloku \"Niestandardowy HTML\"\n     (Custom HTML) w edytorze WordPress.\n     ============================================================ -->\n<div id=\"jhip-ike-calculator\">\n  <div class=\"jhip-ik-header\">\n    <h2>Kalkulator IKE \/ IKZE<\/h2>\n    <p>Konto emerytalne \u2014 kapita\u0142, ulga podatkowa, podatek przy wyp\u0142acie<\/p>\n  <\/div>\n  <div class=\"jhip-ik-tabs\" id=\"jhip-ik-tabs\"><\/div>\n  <div class=\"jhip-ik-content\" id=\"jhip-ik-content\"><\/div>\n<\/div>\n\n<style>\n  #jhip-ike-calculator, #jhip-ike-calculator *, #jhip-ike-calculator *::before, #jhip-ike-calculator *::after {\n    box-sizing: border-box;\n  }\n  #jhip-ike-calculator {\n    --navy:#0F152E; --surface:#1A2442; --surface2:#222E54; --gold:#D3AF37; --red:#A11927; --white:#fff;\n    --text:#F4F5F9; --muted:#9AA6C4; --border:rgba(255,255,255,0.14); --border-soft:rgba(255,255,255,0.08);\n    --shadow:0 8px 24px rgba(0,0,0,0.35);\n    font-family: system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;\n    font-size: 13px; line-height: 1.4; color: var(--text);\n    max-width: 900px; margin: 0 auto;\n    background: var(--navy); border: 1px solid var(--border-soft); border-radius: 18px;\n    padding: 22px 24px 26px; box-shadow: var(--shadow);\n  }\n  #jhip-ike-calculator button { font-family: inherit; }\n\n  \/* \u2014 nag\u0142\u00f3wek \u2014 *\/\n  #jhip-ike-calculator .jhip-ik-header { margin-bottom: 16px; }\n  #jhip-ike-calculator .jhip-ik-header h2 { font-size: 21px; font-weight: 700; font-family: Georgia,serif; color: #fff; margin: 0 0 4px; }\n  #jhip-ike-calculator .jhip-ik-header p { font-size: 12px; color: var(--muted); margin: 0; }\n\n  \/* \u2014 zak\u0142adki + karta tre\u015bci \u2014 *\/\n  #jhip-ike-calculator .jhip-ik-tabs { display: flex; gap: 2px; flex-wrap: wrap; background: transparent; border: none; border-bottom: 1px solid var(--border); border-radius: 0; padding: 0 2px; }\n  #jhip-ike-calculator .jhip-ik-content { background: transparent; border: none; border-radius: 0; padding: 20px 2px 6px; }\n  #jhip-ike-calculator .kap-tab-btn { padding: 11px 16px; border: none; background: none; cursor: pointer; font-size: 12px; font-weight: 700; color: var(--muted); border-bottom: 2.5px solid transparent; }\n  #jhip-ike-calculator .kap-tab-btn.active { color: #fff; border-bottom-color: var(--gold); }\n\n  \/* \u2014 pola formularza (wsp\u00f3lne ze stylem aplikacji) \u2014 *\/\n  #jhip-ike-calculator .su-section-label { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.09em; color: var(--muted); margin: 20px 0 10px; }\n  #jhip-ike-calculator .su-section-label:first-of-type { margin-top: 0; }\n  #jhip-ike-calculator .su-field { margin-bottom: 9px; min-width: 0; }\n  #jhip-ike-calculator .su-field-label { display: block; font-size: 9px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.07em; color: var(--muted); margin-bottom: 4px; }\n  #jhip-ike-calculator .su-text-input { width: 100%; padding: 9px 11px; border: 1.5px solid var(--border); border-radius: 8px; font-size: 13px; color: var(--text); background: var(--surface2); font-family: inherit; outline: none; }\n  #jhip-ike-calculator .su-text-input:focus { border-color: var(--gold); }\n  #jhip-ike-calculator .su-money-wrap { position: relative; }\n  #jhip-ike-calculator .su-money-input { width: 100%; padding: 8px 32px 8px 10px; border: 1.5px solid var(--border); border-radius: 8px; font-size: 13px; color: var(--text); background: var(--surface2); font-family: inherit; outline: none; }\n  #jhip-ike-calculator .su-money-input:focus { border-color: var(--gold); }\n  #jhip-ike-calculator .su-money-suffix { position: absolute; right: 10px; top: 50%; transform: translateY(-50%); font-size: 10px; color: var(--muted); pointer-events: none; }\n  #jhip-ike-calculator .kap-select { width: 100%; padding: 7px 9px; border: 1.5px solid var(--border); border-radius: 8px; font-size: 12px; font-weight: 600; color: var(--text); background: var(--surface2); outline: none; font-family: inherit; cursor: pointer; }\n  #jhip-ike-calculator .kap-select:focus { border-color: var(--gold); }\n  #jhip-ike-calculator .tool-btn { padding: 9px 18px; border-radius: 20px; border: none; background: var(--gold); color: var(--navy); font-size: 12px; font-weight: 700; cursor: pointer; }\n  #jhip-ike-calculator .tool-btn:hover { opacity: 0.86; }\n  #jhip-ike-calculator .kap-actionbar { display: flex; gap: 8px; margin-bottom: 16px; flex-wrap: wrap; align-items: center; }\n  #jhip-ike-calculator .kap-btn-genpdf { background: var(--gold); border: none; border-radius: 8px; padding: 8px 18px; font-size: 13px; font-weight: 700; color: var(--navy); cursor: pointer; }\n\n  #jhip-ike-calculator .eme-form-card { background: var(--surface); border-radius: 12px; border: 1px solid var(--border-soft); padding: 18px 20px; margin-bottom: 14px; }\n  #jhip-ike-calculator .eme-form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 16px; }\n  #jhip-ike-calculator .eme-checkbox-row { display: flex; align-items: center; gap: 8px; margin-top: 10px; padding-top: 10px; border-top: 1px dashed var(--border); }\n  #jhip-ike-calculator .eme-checkbox-row label { display: flex; align-items: center; gap: 8px; font-size: 12px; color: var(--text); font-weight: 600; cursor: pointer; }\n  #jhip-ike-calculator .eme-result-cards { display: grid; grid-template-columns: repeat(auto-fit,minmax(210px,1fr)); gap: 12px; margin-bottom: 14px; }\n  #jhip-ike-calculator .eme-result-card { background: var(--surface); border-radius: 12px; border: 1px solid var(--border-soft); border-top: 4px solid; padding: 14px 16px; }\n  #jhip-ike-calculator .eme-result-label { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); margin-bottom: 6px; }\n  #jhip-ike-calculator .eme-result-val { font-size: 20px; font-weight: 900; color: #fff; }\n  #jhip-ike-calculator .eme-result-sub { font-size: 11px; color: var(--muted); margin-top: 4px; }\n  #jhip-ike-calculator .eme-savings-box { background: var(--surface2); border-radius: 12px; padding: 16px 20px; color: #fff; display: flex; gap: 14px; flex-wrap: wrap; justify-content: space-between; align-items: center; }\n  #jhip-ike-calculator .eme-savings-chip { background: rgba(255,255,255,0.07); border-radius: 8px; padding: 10px 16px; border-left: 3px solid var(--gold); min-width: 190px; }\n  #jhip-ike-calculator .eme-savings-chip-label { font-size: 11px; color: rgba(255,255,255,0.65); margin-bottom: 3px; }\n  #jhip-ike-calculator .eme-savings-chip-val { font-size: 17px; font-weight: 800; }\n\n  \/* \u2014 specyficzne dla IKE\/IKZE \u2014 *\/\n  #jhip-ike-calculator .ik-wrap { max-width: 880px; margin: 0 auto; }\n  #jhip-ike-calculator .ik-type-toggle { display: flex; gap: 8px; margin-bottom: 14px; }\n  #jhip-ike-calculator .ik-type-btn { flex: 1; min-width: 0; padding: 13px 16px; border-radius: 12px; border: 2px solid var(--border); background: var(--surface); color: var(--text); cursor: pointer; text-align: center; transition: all 0.15s; }\n  #jhip-ike-calculator .ik-type-btn.active { border-color: var(--gold); background: rgba(211,175,55,0.16); }\n  #jhip-ike-calculator .ik-type-btn-title { font-weight: 700; font-size: 14px; }\n  #jhip-ike-calculator .ik-limit-note { font-size: 11px; color: var(--muted); margin-top: 4px; }\n  #jhip-ike-calculator .ik-limit-note strong { color: #fff; }\n  #jhip-ike-calculator .ik-eligible-banner { border-radius: 10px; padding: 10px 14px; font-size: 12px; line-height: 1.5; margin-bottom: 14px; }\n  #jhip-ike-calculator .ik-eligible-banner.ok { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.18); color: var(--text); }\n  #jhip-ike-calculator .ik-eligible-banner.bad { background: rgba(161,25,39,0.22); border: 1px solid rgba(161,25,39,0.55); color: #fff; }\n  #jhip-ike-calculator .ik-payout-hero { background: var(--surface2); border-radius: 14px; border-top: 4px solid var(--gold); padding: 24px 28px; margin-bottom: 18px; color: #fff; }\n  #jhip-ike-calculator .ik-payout-hero-label { font-size: 13px; color: rgba(255,255,255,0.7); font-weight: 600; margin-bottom: 6px; }\n  #jhip-ike-calculator .ik-payout-hero-val { font-size: 40px; font-weight: 900; letter-spacing: -0.02em; line-height: 1.1; }\n  #jhip-ike-calculator .ik-payout-hero-row { display: flex; gap: 24px; flex-wrap: wrap; margin-top: 14px; font-size: 12px; color: rgba(255,255,255,0.75); }\n  #jhip-ike-calculator .ik-payout-hero-row strong { color: #fff; }\n\n  @media (max-width: 560px) {\n    #jhip-ike-calculator { padding: 16px; }\n    #jhip-ike-calculator .ik-type-toggle { flex-direction: column; }\n    #jhip-ike-calculator .eme-form-grid { grid-template-columns: 1fr; }\n    #jhip-ike-calculator .ik-payout-hero-val { font-size: 30px; }\n    #jhip-ike-calculator .eme-savings-box { flex-direction: column; align-items: stretch; }\n  }\n<\/style>\n\n<script>\n(function () {\n  \/\/ \u2500\u2500 Pomocnicze formatery \u2500\u2500\n  const esc = s => String(s).replace(\/&\/g, '&amp;').replace(\/<\/g, '&lt;').replace(\/>\/g, '&gt;');\n  const fmtPLN = v => new Intl.NumberFormat('pl-PL', { style: 'currency', currency: 'PLN', maximumFractionDigits: 0 }).format(Math.round(v || 0));\n  const fmtR = v => `${Number(v || 0).toFixed(2).replace('.', ',')}%`;\n  const kapFV = (S, C, rPA, months) => {\n    if (months <= 0) return S;\n    const r = Math.pow(1 + rPA \/ 100, 1 \/ 12) - 1;\n    if (r < 1e-12) return S + C * months;\n    return S * Math.pow(1 + r, months) + C * (Math.pow(1 + r, months) - 1) \/ r;\n  };\n  const KAP_PESS_F = 0.65, KAP_OPT_F = 1.35;\n  function emeFormaLabel(s) {\n    if (s.forma === 'zlecenie') return 'Umowa zlecenia';\n    if (s.forma === 'jdg') {\n      if (s.formaOpodatkowania === 'ryczalt') return 'JDG \u2014 rycza\u0142t';\n      if (s.formaOpodatkowania === 'liniowy') return 'JDG \u2014 podatek liniowy';\n      return 'JDG \u2014 zasady og\u00f3lne';\n    }\n    return 'Umowa o prac\u0119';\n  }\n  function pdfFmtAxis(v) {\n    const n = Math.abs(v);\n    if (n >= 1e6) return (v \/ 1e6).toFixed(1).replace('.', ',') + ' mln';\n    if (n >= 1e3) return (v \/ 1e3).toFixed(0) + ' tys.';\n    return String(Math.round(v));\n  }\n  function pdfLineChartSVG(chartData, baseColor, opts) {\n    opts = opts || {};\n    const W = opts.width || 780, H = opts.height || 200;\n    const padL = 48, padR = 10, padT = 14, padB = 26;\n    const plotW = W - padL - padR, plotH = H - padT - padB;\n    const n = chartData.length;\n    if (n < 2) return '';\n    const series = [\n      { key: 'opti', label: 'Optymistyczna', color: '#D3AF37', dash: '5,4', width: 1.5 },\n      { key: 'base', label: 'Bazowa', color: baseColor, dash: null, width: 2.5 },\n      { key: 'pess', label: 'Pesymistyczna', color: '#9CA3AF', dash: '5,4', width: 1.5 },\n    ];\n    let maxVal = 0;\n    chartData.forEach(d => series.forEach(s => { if ((d[s.key] || 0) > maxVal) maxVal = d[s.key]; }));\n    if (maxVal <= 0) maxVal = 1;\n    const x = i => padL + (i \/ (n - 1)) * plotW;\n    const y = v => padT + plotH - (v \/ maxVal) * plotH;\n    const gridN = 4, gridParts = [];\n    for (let g = 0; g <= gridN; g++) {\n      const v = maxVal * g \/ gridN, gy = y(v);\n      gridParts.push(`<line x1=\"${padL}\" y1=\"${gy.toFixed(1)}\" x2=\"${W - padR}\" y2=\"${gy.toFixed(1)}\" stroke=\"#F0ECE5\" stroke-width=\"1\"\/>`);\n      gridParts.push(`<text x=\"${padL - 6}\" y=\"${(gy + 3).toFixed(1)}\" font-size=\"9\" fill=\"#9CA3AF\" text-anchor=\"end\" font-family=\"system-ui,-apple-system,sans-serif\">${pdfFmtAxis(v)}<\/text>`);\n    }\n    const xStep = Math.max(1, Math.ceil((n - 1) \/ 8));\n    const xLabelParts = [];\n    for (let i = 0; i < n; i += xStep) xLabelParts.push(`<text x=\"${x(i).toFixed(1)}\" y=\"${H - 6}\" font-size=\"9\" fill=\"#9CA3AF\" text-anchor=\"middle\" font-family=\"system-ui,-apple-system,sans-serif\">${chartData[i].year}r.<\/text>`);\n    if ((n - 1) % xStep !== 0) xLabelParts.push(`<text x=\"${x(n - 1).toFixed(1)}\" y=\"${H - 6}\" font-size=\"9\" fill=\"#9CA3AF\" text-anchor=\"middle\" font-family=\"system-ui,-apple-system,sans-serif\">${chartData[n - 1].year}r.<\/text>`);\n    const pathParts = series.map(s => {\n      const d = chartData.map((row, i) => `${i === 0 ? 'M' : 'L'}${x(i).toFixed(1)},${y(row[s.key] || 0).toFixed(1)}`).join(' ');\n      return `<path d=\"${d}\" fill=\"none\" stroke=\"${s.color}\" stroke-width=\"${s.width}\" ${s.dash ? `stroke-dasharray=\"${s.dash}\"` : ''} stroke-linejoin=\"round\" stroke-linecap=\"round\"\/>`;\n    }).join('');\n    const axisLine = `<line x1=\"${padL}\" y1=\"${(padT + plotH).toFixed(1)}\" x2=\"${W - padR}\" y2=\"${(padT + plotH).toFixed(1)}\" stroke=\"#E5E7EB\" stroke-width=\"1\"\/>`;\n    const legend = series.map(s => `<span style=\"display:inline-flex;align-items:center;gap:5px;margin-right:14px\"><span style=\"width:14px;height:0;border-top:${s.width}px ${s.dash ? 'dashed' : 'solid'} ${s.color};display:inline-block\"><\/span><span style=\"font-size:10px;color:#6B7280\">${s.label}<\/span><\/span>`).join('');\n    return `<div style=\"margin:6px 0 12px\"><svg width=\"100%\" height=\"${H}\" viewBox=\"0 0 ${W} ${H}\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"display:block\">${gridParts.join('')}${axisLine}${pathParts}${xLabelParts.join('')}<\/svg><div style=\"margin-top:4px\">${legend}<\/div><\/div>`;\n  }\n\n  \/\/ \u2500\u2500 Limity, stan i silnik oblicze\u0144 (IKE \/ IKZE) \u2500\u2500\n  const IK_LIMIT_IKE = 28260;\n  const IK_LIMIT_IKZE_STD = 11304;\n  const IK_LIMIT_IKZE_JDG = 16956;\n  const IK_PIT_THRESHOLD = 120000;\n  const IK_RYCZALT_RATES = [2, 3, 5.5, 8.5, 10, 12, 14, 15, 17];\n\n  const state = {\n    tab: 'config',\n    typ: 'ike', \/\/ 'ike' | 'ikze'\n    wiek: 35,\n    forma: 'uop',\n    formaOpodatkowania: 'ogolne',\n    ryczaltStawka: 8.5,\n    drugiProg: false,\n    skladkaRoczna: 5000,\n    oprocentowanie: 6,\n    wiekWyplaty: 60,\n    sposobWyplaty: 'jednorazowo', \/\/ 'jednorazowo' | 'raty'\n    lataRat: 10,\n  };\n\n  function effectiveLimit(s) {\n    if (s.typ === 'ike') return IK_LIMIT_IKE;\n    return s.forma === 'jdg' ? IK_LIMIT_IKZE_JDG : IK_LIMIT_IKZE_STD;\n  }\n  function reliefRate(s) {\n    if (s.forma === 'jdg' && s.formaOpodatkowania === 'liniowy') return 19;\n    if (s.forma === 'jdg' && s.formaOpodatkowania === 'ryczalt') return Number(s.ryczaltStawka) || 0;\n    return s.drugiProg ? 32 : 12;\n  }\n  function annuityPMT(PV, rPA, months) {\n    if (months <= 0 || PV <= 0) return 0;\n    const r = Math.pow(1 + rPA \/ 100, 1 \/ 12) - 1;\n    if (r < 1e-12) return PV \/ months;\n    return PV * r \/ (1 - Math.pow(1 + r, -months));\n  }\n  function minWiekWyplaty(s) {\n    const minAge = s.typ === 'ike' ? 60 : 65;\n    return Math.max(minAge, Number(s.wiek) || 0);\n  }\n\n  function calc(s) {\n    const typ = s.typ === 'ikze' ? 'ikze' : 'ike';\n    const limit = effectiveLimit(s);\n    const annualContrib = Math.max(0, Math.min(limit, Number(s.skladkaRoczna) || 0));\n    const monthlyContrib = annualContrib \/ 12;\n    const wiek = Math.max(0, Number(s.wiek) || 0);\n    const wiekWyplaty = Math.max(wiek, Number(s.wiekWyplaty) || 0);\n    const lata = Math.max(0, wiekWyplaty - wiek);\n    const months = Math.round(lata * 12);\n    const rate = Number(s.oprocentowanie) || 0;\n\n    const fv = months > 0 ? kapFV(0, monthlyContrib, rate, months) : 0;\n    const sumaWplat = annualContrib * lata;\n    const zysk = Math.max(0, fv - sumaWplat);\n    const podatekZaoszczedzony = zysk * 0.19;\n\n    const minAge = typ === 'ike' ? 60 : 65;\n    const eligible = wiekWyplaty >= minAge && lata >= 5;\n\n    let lumpTax, lumpNet;\n    if (typ === 'ike') {\n      lumpTax = eligible ? 0 : zysk * 0.19;\n      lumpNet = fv - lumpTax;\n    } else {\n      if (eligible) {\n        lumpTax = fv * 0.10;\n        lumpNet = fv * 0.90;\n      } else {\n        lumpTax = fv <= IK_PIT_THRESHOLD ? fv * 0.12 : IK_PIT_THRESHOLD * 0.12 + (fv - IK_PIT_THRESHOLD) * 0.32;\n        lumpNet = fv - lumpTax;\n      }\n    }\n\n    const lataRat = Math.max(0, Number(s.lataRat) || 0);\n    const ratyMonths = Math.round(lataRat * 12);\n    const pmtGross = ratyMonths > 0 ? annuityPMT(fv, rate, ratyMonths) : 0;\n    const netRatio = fv > 0 ? lumpNet \/ fv : 1;\n    const pmtNet = pmtGross * netRatio;\n    const totalNetRaty = pmtNet * ratyMonths;\n\n    const relRate = typ === 'ikze' ? reliefRate(s) : 0;\n    const reliefAnnual = typ === 'ikze' ? annualContrib * relRate \/ 100 : 0;\n    const reliefTotal = reliefAnnual * lata;\n\n    const chartData = [{ year: 0, pess: 0, base: 0, opti: 0 }];\n    for (let y = 1; y <= lata; y++) {\n      const m = y * 12;\n      const b = kapFV(0, monthlyContrib, rate, m);\n      const p = kapFV(0, monthlyContrib, rate * KAP_PESS_F, m);\n      const o = kapFV(0, monthlyContrib, rate * KAP_OPT_F, m);\n      chartData.push({ year: y, pess: Math.round(p), base: Math.round(b), opti: Math.round(o) });\n    }\n\n    return {\n      typ, limit, annualContrib, monthlyContrib, wiek, wiekWyplaty, lata, months, rate,\n      fv, sumaWplat, zysk, podatekZaoszczedzony, minAge, eligible,\n      lumpTax, lumpNet, lataRat, ratyMonths, pmtGross, pmtNet, totalNetRaty,\n      reliefRate: relRate, reliefAnnual, reliefTotal, chartData,\n      forma: s.forma, formaOpodatkowania: s.formaOpodatkowania, formaLabel: emeFormaLabel(s),\n      sposobWyplaty: s.sposobWyplaty\n    };\n  }\n\n  \/\/ \u2500\u2500 Nawigacja i render \u2500\u2500\n  function renderTabs() {\n    document.getElementById('jhip-ik-tabs').innerHTML = `\n      <button class=\"kap-tab-btn ${state.tab === 'config' ? 'active' : ''}\" onclick=\"JhipIK.setTab('config')\">\u2699 Konfiguracja<\/button>\n      <button class=\"kap-tab-btn ${state.tab === 'results' ? 'active' : ''}\" onclick=\"JhipIK.setTab('results')\">\ud83d\udcc8 Wyniki<\/button>\n    `;\n  }\n  function renderContentOnly() {\n    document.getElementById('jhip-ik-content').innerHTML = state.tab === 'config' ? renderConfig() : renderResults();\n  }\n  function render() { renderTabs(); renderContentOnly(); }\n\n  function setTab(t) { state.tab = t; render(); }\n  function upd(key, val) {\n    state[key] = val;\n    if (key === 'typ' || key === 'forma') {\n      const limit = effectiveLimit(state);\n      if (Number(state.skladkaRoczna) > limit) state.skladkaRoczna = limit;\n    }\n    if (key === 'typ' || key === 'wiek') {\n      const floor = minWiekWyplaty(state);\n      if (Number(state.wiekWyplaty) < floor) state.wiekWyplaty = floor;\n    }\n    renderContentOnly();\n  }\n  \/\/ Twardy limit pola wp\u0142aty rocznej \u2014 nie pozwala wprowadzi\u0107 warto\u015bci wy\u017cszej ni\u017c aktualny limit ustawowy.\n  function updSkladka(val) {\n    const limit = effectiveLimit(state);\n    state.skladkaRoczna = Math.max(0, Math.min(limit, Number(val) || 0));\n    renderContentOnly();\n  }\n  \/\/ Twardy dolny limit pola wieku wyp\u0142aty \u2014 nie pozwala wprowadzi\u0107 warto\u015bci ni\u017cszej ni\u017c minimalny wiek\n  \/\/ uprawniaj\u0105cy do preferencyjnego rozliczenia (60 lat IKE \/ 65 lat IKZE) ani ni\u017cszej ni\u017c wiek dzisiejszy.\n  function updWiekWyplaty(val) {\n    const floor = minWiekWyplaty(state);\n    state.wiekWyplaty = Math.max(floor, parseInt(val) || 0);\n    renderContentOnly();\n  }\n\n  function renderConfig() {\n    const limit = effectiveLimit(state);\n    if (Number(state.skladkaRoczna) > limit) state.skladkaRoczna = limit;\n    const isIkze = state.typ === 'ikze';\n    const showRyczalt = isIkze && state.forma === 'jdg' && state.formaOpodatkowania === 'ryczalt';\n    const showDrugiProg = isIkze && !(state.forma === 'jdg' && (state.formaOpodatkowania === 'liniowy' || state.formaOpodatkowania === 'ryczalt'));\n    return `<div class=\"ik-wrap\">\n      <div class=\"ik-type-toggle\">\n        <button class=\"ik-type-btn ${state.typ === 'ike' ? 'active' : ''}\" onclick=\"JhipIK.upd('typ','ike')\">\n          <div class=\"ik-type-btn-title\">IKE<\/div>\n        <\/button>\n        <button class=\"ik-type-btn ${state.typ === 'ikze' ? 'active' : ''}\" onclick=\"JhipIK.upd('typ','ikze')\">\n          <div class=\"ik-type-btn-title\">IKZE<\/div>\n        <\/button>\n      <\/div>\n\n      <div class=\"eme-form-card\">\n        <div class=\"su-section-label\" style=\"margin-top:0\">Klient i horyzont<\/div>\n        <div class=\"eme-form-grid\">\n          <div class=\"su-field\">\n            <span class=\"su-field-label\">Wiek dzi\u015b (lata)<\/span>\n            <input class=\"su-text-input\" type=\"number\" min=\"0\" max=\"100\" value=\"${state.wiek}\" onchange=\"JhipIK.upd('wiek',Math.max(0,parseInt(this.value)||0))\">\n          <\/div>\n          <div class=\"su-field\">\n            <span class=\"su-field-label\">Wiek wyp\u0142aty (lata)<\/span>\n            <input class=\"su-text-input\" type=\"number\" min=\"${minWiekWyplaty(state)}\" max=\"100\" value=\"${state.wiekWyplaty}\" onchange=\"JhipIK.updWiekWyplaty(this.value)\">\n            <div class=\"ik-limit-note\">Minimalnie <strong>${minWiekWyplaty(state)} lat<\/strong> \u2014 warunek preferencyjnego rozliczenia ${state.typ === 'ike' ? 'IKE' : 'IKZE'}<\/div>\n          <\/div>\n        <\/div>\n        ${isIkze ? `\n        <div class=\"su-section-label\">Forma dochod\u00f3w (ulga podatkowa IKZE)<\/div>\n        <div class=\"eme-form-grid\">\n          <div class=\"su-field\">\n            <span class=\"su-field-label\">Forma dochod\u00f3w<\/span>\n            <select class=\"kap-select\" onchange=\"JhipIK.upd('forma',this.value)\">\n              <option value=\"uop\" ${state.forma === 'uop' ? 'selected' : ''}>Umowa o prac\u0119 (UoP)<\/option>\n              <option value=\"zlecenie\" ${state.forma === 'zlecenie' ? 'selected' : ''}>Umowa zlecenia<\/option>\n              <option value=\"jdg\" ${state.forma === 'jdg' ? 'selected' : ''}>Jednoosobowa dzia\u0142alno\u015b\u0107 (JDG)<\/option>\n            <\/select>\n          <\/div>\n          ${state.forma === 'jdg' ? `<div class=\"su-field\">\n            <span class=\"su-field-label\">Forma opodatkowania (JDG)<\/span>\n            <select class=\"kap-select\" onchange=\"JhipIK.upd('formaOpodatkowania',this.value)\">\n              <option value=\"ogolne\" ${state.formaOpodatkowania === 'ogolne' ? 'selected' : ''}>Zasady og\u00f3lne<\/option>\n              <option value=\"liniowy\" ${state.formaOpodatkowania === 'liniowy' ? 'selected' : ''}>Podatek liniowy<\/option>\n              <option value=\"ryczalt\" ${state.formaOpodatkowania === 'ryczalt' ? 'selected' : ''}>Rycza\u0142t<\/option>\n            <\/select>\n          <\/div>` : ''}\n          ${showRyczalt ? `<div class=\"su-field\">\n            <span class=\"su-field-label\">Stawka rycza\u0142tu (%)<\/span>\n            <select class=\"kap-select\" onchange=\"JhipIK.upd('ryczaltStawka',parseFloat(this.value))\">\n              ${IK_RYCZALT_RATES.map(rt => `<option value=\"${rt}\" ${Number(state.ryczaltStawka) === rt ? 'selected' : ''}>${String(rt).replace('.', ',')}%<\/option>`).join('')}\n            <\/select>\n          <\/div>` : ''}\n        <\/div>\n        ${showDrugiProg ? `<div class=\"eme-checkbox-row\">\n          <label><input type=\"checkbox\" ${state.drugiProg ? 'checked' : ''} onchange=\"JhipIK.upd('drugiProg',this.checked)\"> Klient p\u0142aci podatek w drugim progu (32%)<\/label>\n        <\/div>` : ''}\n        ` : ''}\n        <div class=\"su-section-label\">Wp\u0142ata<\/div>\n        <div class=\"eme-form-grid\">\n          <div class=\"su-field\">\n            <span class=\"su-field-label\">Wp\u0142ata roczna (PLN, limit ${fmtPLN(limit)})<\/span>\n            <div class=\"su-money-wrap\"><input class=\"su-money-input\" type=\"number\" min=\"0\" max=\"${limit}\" value=\"${state.skladkaRoczna}\" onchange=\"JhipIK.updSkladka(this.value)\"><span class=\"su-money-suffix\">PLN<\/span><\/div>\n            <div class=\"ik-limit-note\">Maksymalnie <strong>${fmtPLN(limit)}<\/strong>\/rok dla ${state.typ === 'ike' ? 'IKE' : (state.forma === 'jdg' ? 'IKZE \u2014 JDG' : 'IKZE')}<\/div>\n          <\/div>\n          <div class=\"su-field\">\n            <span class=\"su-field-label\">Oprocentowanie \/ stopa zwrotu (%\/rok)<\/span>\n            <input class=\"su-text-input\" type=\"number\" min=\"0\" max=\"30\" step=\"0.1\" value=\"${state.oprocentowanie}\" onchange=\"JhipIK.upd('oprocentowanie',Math.max(0,parseFloat(this.value)||0))\">\n          <\/div>\n        <\/div>\n        <div class=\"su-section-label\">Wyp\u0142ata<\/div>\n        <div class=\"eme-form-grid\">\n          <div class=\"su-field\">\n            <span class=\"su-field-label\">Spos\u00f3b wyp\u0142aty<\/span>\n            <select class=\"kap-select\" onchange=\"JhipIK.upd('sposobWyplaty',this.value)\">\n              <option value=\"jednorazowo\" ${state.sposobWyplaty === 'jednorazowo' ? 'selected' : ''}>Jednorazowo<\/option>\n              <option value=\"raty\" ${state.sposobWyplaty === 'raty' ? 'selected' : ''}>W ratach<\/option>\n            <\/select>\n          <\/div>\n          ${state.sposobWyplaty === 'raty' ? `<div class=\"su-field\">\n            <span class=\"su-field-label\">Liczba lat wyp\u0142aty rat<\/span>\n            <input class=\"su-text-input\" type=\"number\" min=\"1\" max=\"40\" value=\"${state.lataRat}\" onchange=\"JhipIK.upd('lataRat',Math.max(1,parseInt(this.value)||1))\">\n          <\/div>` : ''}\n        <\/div>\n      <\/div>\n      <div style=\"text-align:right\">\n        <button class=\"tool-btn\" onclick=\"JhipIK.setTab('results')\">Przejd\u017a do wynik\u00f3w \u2192<\/button>\n      <\/div>\n    <\/div>`;\n  }\n\n  function renderResults() {\n    const r = calc(state);\n    const isIke = r.typ === 'ike';\n    return `<div class=\"ik-wrap\">\n      <div class=\"kap-actionbar\">\n        <button class=\"kap-btn-genpdf\" onclick=\"JhipIK.generatePDF()\">\u2b07 Generuj PDF<\/button>\n      <\/div>\n      <div class=\"ik-eligible-banner ${r.eligible ? 'ok' : 'bad'}\">\n        ${r.eligible\n          ? `\u2713 Przy wyp\u0142acie w wieku ${r.wiekWyplaty} lat (po ${r.lata} latach wp\u0142at) spe\u0142nione s\u0105 warunki preferencyjnego rozliczenia ${isIke ? 'IKE' : 'IKZE'} (min. wiek ${r.minAge} lat, wp\u0142aty w min. 5 latach kalendarzowych).`\n          : `\u26a0 Wyp\u0142ata w wieku ${r.wiekWyplaty} lat nie spe\u0142nia warunk\u00f3w preferencyjnego rozliczenia ${isIke ? 'IKE' : 'IKZE'} (wymagany wiek min. ${r.minAge} lat oraz wp\u0142aty w min. 5 latach) \u2014 poni\u017cej rozliczenie jako \u201ezwrot\u201d.`}\n      <\/div>\n      <div class=\"eme-result-cards\">\n        <div class=\"eme-result-card\" style=\"border-top-color:var(--gold)\">\n          <div class=\"eme-result-label\">Kapita\u0142 na koncie (nominalnie)<\/div>\n          <div class=\"eme-result-val\">${fmtPLN(r.fv)}<\/div>\n          <div class=\"eme-result-sub\">wp\u0142aty: ${fmtPLN(r.sumaWplat)} \u00b7 zysk: ${fmtPLN(r.zysk)}<\/div>\n        <\/div>\n        <div class=\"eme-result-card\" style=\"border-top-color:var(--growth)\">\n          <div class=\"eme-result-label\">Zaoszcz\u0119dzony podatek od zysk\u00f3w (Belka)<\/div>\n          <div class=\"eme-result-val\">${fmtPLN(r.podatekZaoszczedzony)}<\/div>\n          <div class=\"eme-result-sub\">19% od zysku kapita\u0142owego \u2014 nie pobierane na ${isIke ? 'IKE' : 'IKZE'}<\/div>\n        <\/div>\n        ${!isIke ? `<div class=\"eme-result-card\" style=\"border-top-color:var(--gold)\">\n          <div class=\"eme-result-label\">Ulga podatkowa (\u0142\u0105cznie przez ${r.lata} lat)<\/div>\n          <div class=\"eme-result-val\">${fmtPLN(r.reliefTotal)}<\/div>\n          <div class=\"eme-result-sub\">${esc(r.formaLabel)} \u00b7 stawka ulgi ${fmtR(r.reliefRate)} \u00b7 rocznie ${fmtPLN(r.reliefAnnual)}<\/div>\n        <\/div>` : ''}\n      <\/div>\n\n      <div class=\"su-section-label\" style=\"margin-top:0\">Wyp\u0142ata jednorazowo<\/div>\n      <div class=\"ik-payout-hero\">\n        <div class=\"ik-payout-hero-label\">\ud83d\udcb0 \u015arodki do wyp\u0142aty (netto)<\/div>\n        <div class=\"ik-payout-hero-val\">${fmtPLN(r.lumpNet)}<\/div>\n        <div class=\"ik-payout-hero-row\">\n          <span>Podatek przy wyp\u0142acie: <strong>${fmtPLN(r.lumpTax)}<\/strong> (${r.eligible ? (isIke ? 'zwolnienie z podatku' : '10% od ca\u0142ej wyp\u0142aty') : 'rozliczenie jako zwrot \u2014 skala podatkowa'})<\/span>\n        <\/div>\n      <\/div>\n\n      ${state.sposobWyplaty === 'raty' ? `\n      <div class=\"su-section-label\">Wyp\u0142ata w ratach<\/div>\n      <div class=\"eme-savings-box\" style=\"margin-bottom:18px\">\n        <div style=\"font-size:12px;color:rgba(255,255,255,0.65)\">Rata miesi\u0119czna netto przez ${r.lataRat} lat (kapita\u0142 nadal pracuje przy ${fmtR(r.rate)}\/rok):<\/div>\n        <div style=\"display:flex;gap:10px;flex-wrap:wrap\">\n          <div class=\"eme-savings-chip\">\n            <div class=\"eme-savings-chip-label\">\ud83d\udcb5 Rata netto \/ mies.<\/div>\n            <div class=\"eme-savings-chip-val\">${fmtPLN(r.pmtNet)}<\/div>\n          <\/div>\n          <div class=\"eme-savings-chip\" style=\"border-left-color:var(--muted)\">\n            <div class=\"eme-savings-chip-label\">\u03a3 wyp\u0142acone netto \u0142\u0105cznie<\/div>\n            <div class=\"eme-savings-chip-val\">${fmtPLN(r.totalNetRaty)}<\/div>\n          <\/div>\n        <\/div>\n      <\/div>` : ''}\n    <\/div>`;\n  }\n\n  \/\/ \u2500\u2500 PDF \u2500\u2500\n  function buildPDF(r) {\n    const date = new Date().toLocaleDateString('pl-PL', { day: 'numeric', month: 'long', year: 'numeric' });\n    const isIke = r.typ === 'ike';\n    const lineSvg = r.chartData && r.chartData.length >= 2 ? pdfLineChartSVG(r.chartData, '#D3AF37') : '';\n    const html = `<!DOCTYPE html><html lang=\"pl\"><head><meta charset=\"UTF-8\"><title>Analiza ${isIke ? 'IKE' : 'IKZE'}<\/title>\n    <style>*{margin:0;padding:0;box-sizing:border-box}body{font-family:system-ui,-apple-system,sans-serif;background:#fff;color:#000000CC;font-size:13px}@media print{body{-webkit-print-color-adjust:exact;print-color-adjust:exact}.np{display:none!important}}<\/style><\/head>\n    <body>\n      <div class=\"np\" style=\"background:#0F152E;padding:10px 40px;display:flex;justify-content:space-between;align-items:center\">\n        <span style=\"color:#9CA3AF;font-size:12px\">Podgl\u0105d raportu PDF<\/span>\n        <button onclick=\"window.print()\" style=\"background:#D3AF37;color:#fff;border:none;padding:8px 20px;border-radius:8px;font-size:13px;font-weight:700;cursor:pointer\">\u2b07 Zapisz jako PDF<\/button>\n      <\/div>\n      <div style=\"max-width:880px;margin:0 auto;padding:44px 44px 56px\">\n        <div style=\"display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:28px;padding-bottom:16px;border-bottom:2px solid #0F152E\">\n          <div>\n            <div style=\"font-size:9px;letter-spacing:.1em;text-transform:uppercase;color:#9CA3AF;margin-bottom:3px\">Jacek Horoszko Investment Partner<\/div>\n            <div style=\"font-size:10px;color:#9CA3AF;margin-bottom:5px\">www.jacekhoroszko.pl<\/div>\n            <div style=\"font-size:24px;font-weight:700;color:#0F152E;letter-spacing:-.02em;font-family:Georgia,serif\">Analiza konta ${isIke ? 'IKE' : 'IKZE'}<\/div>\n          <\/div>\n          <div style=\"text-align:right\">\n            <div style=\"font-size:9px;color:#9CA3AF;margin-bottom:3px\">Data sporz\u0105dzenia<\/div>\n            <div style=\"font-size:13px;font-weight:600;color:#0F152E\">${date}<\/div>\n            <div style=\"font-size:10px;color:#9CA3AF;margin-top:4px\">Wp\u0142aty: ${r.lata} lat (wiek ${r.wiek}\u2192${r.wiekWyplaty})<\/div>\n            ${!isIke ? `<div style=\"font-size:10px;color:#9CA3AF;margin-top:2px\">Forma dochod\u00f3w: ${esc(r.formaLabel || 'Umowa o prac\u0119')}<\/div>` : ''}\n          <\/div>\n        <\/div>\n        <table style=\"width:100%;border-collapse:collapse;font-size:12px;margin-bottom:16px\">\n          <tbody>\n            <tr><td style=\"padding:8px 10px;border-bottom:1px solid #F3F4F6;color:#6B7280\">Wp\u0142ata roczna (limit ${fmtPLN(r.limit)})<\/td><td style=\"padding:8px 10px;border-bottom:1px solid #F3F4F6;text-align:right;font-weight:700\">${fmtPLN(r.annualContrib)}<\/td><\/tr>\n            <tr><td style=\"padding:8px 10px;border-bottom:1px solid #F3F4F6;color:#6B7280\">Suma wp\u0142at przez ${r.lata} lat<\/td><td style=\"padding:8px 10px;border-bottom:1px solid #F3F4F6;text-align:right;font-weight:700\">${fmtPLN(r.sumaWplat)}<\/td><\/tr>\n            <tr><td style=\"padding:8px 10px;border-bottom:1px solid #F3F4F6;color:#6B7280\">Kapita\u0142 na koncie (nominalnie)<\/td><td style=\"padding:8px 10px;border-bottom:1px solid #F3F4F6;text-align:right;font-weight:700;color:#D3AF37\">${fmtPLN(r.fv)}<\/td><\/tr>\n            <tr><td style=\"padding:8px 10px;border-bottom:1px solid #F3F4F6;color:#6B7280\">Zaoszcz\u0119dzony podatek od zysk\u00f3w kapita\u0142owych (Belka, 19%)<\/td><td style=\"padding:8px 10px;border-bottom:1px solid #F3F4F6;text-align:right;font-weight:700;color:#0F152E\">${fmtPLN(r.podatekZaoszczedzony)}<\/td><\/tr>\n            ${!isIke ? `<tr><td style=\"padding:8px 10px;border-bottom:1px solid #F3F4F6;color:#6B7280\">Ulga podatkowa \u0142\u0105cznie (stawka ${fmtR(r.reliefRate)})<\/td><td style=\"padding:8px 10px;border-bottom:1px solid #F3F4F6;text-align:right;font-weight:700;color:#D3AF37\">${fmtPLN(r.reliefTotal)}<\/td><\/tr>` : ''}\n          <\/tbody>\n        <\/table>\n        ${lineSvg ? `<div style=\"margin-bottom:18px\">\n          <div style=\"font-size:13px;font-weight:700;color:#0F152E;margin-bottom:8px\">Wzrost kapita\u0142u w czasie<\/div>\n          ${lineSvg}\n        <\/div>` : ''}\n        <div style=\"background:${r.eligible ? '#EEF0F5' : '#FBEAEC'};border:1px solid ${r.eligible ? '#C7CCDA' : '#E9B9BE'};border-radius:10px;padding:12px 16px;margin-bottom:16px;font-size:12px;color:${r.eligible ? '#0F152E' : '#A11927'};line-height:1.6\">\n          ${r.eligible\n            ? `Wyp\u0142ata w wieku ${r.wiekWyplaty} lat spe\u0142nia warunki preferencyjnego rozliczenia ${isIke ? 'IKE' : 'IKZE'} (min. wiek ${r.minAge} lat, wp\u0142aty w min. 5 latach kalendarzowych).`\n            : `Wyp\u0142ata w wieku ${r.wiekWyplaty} lat NIE spe\u0142nia warunk\u00f3w preferencyjnego rozliczenia ${isIke ? 'IKE' : 'IKZE'} (wymagany wiek min. ${r.minAge} lat oraz wp\u0142aty w min. 5 latach) \u2014 rozliczenie jako \u201ezwrot\u201d.`}\n        <\/div>\n        <table style=\"width:100%;border-collapse:collapse;font-size:12px;margin-bottom:8px\">\n          <thead><tr>\n            <th style=\"text-align:left;padding:6px 10px;color:#9CA3AF;font-size:10px;text-transform:uppercase;letter-spacing:.04em;border-bottom:1.5px solid #0F152E\">Wyp\u0142ata jednorazowo<\/th>\n            <th style=\"text-align:right;padding:6px 10px;color:#9CA3AF;font-size:10px;text-transform:uppercase;letter-spacing:.04em;border-bottom:1.5px solid #0F152E\">Kwota<\/th>\n          <\/tr><\/thead>\n          <tbody>\n            <tr><td style=\"padding:8px 10px;border-bottom:1px solid #F3F4F6;color:#6B7280\">Podatek przy wyp\u0142acie<\/td><td style=\"padding:8px 10px;border-bottom:1px solid #F3F4F6;text-align:right;font-weight:700;color:#A11927\">${fmtPLN(r.lumpTax)}<\/td><\/tr>\n            <tr><td style=\"padding:8px 10px;border-bottom:1px solid #F3F4F6;color:#6B7280\">Wyp\u0142ata netto<\/td><td style=\"padding:8px 10px;border-bottom:1px solid #F3F4F6;text-align:right;font-weight:700;color:#0F152E\">${fmtPLN(r.lumpNet)}<\/td><\/tr>\n          <\/tbody>\n        <\/table>\n        ${r.sposobWyplaty === 'raty' ? `\n        <div style=\"background:#F9FAFB;border-radius:10px;padding:14px 16px;margin-bottom:16px\">\n          <div style=\"font-size:11px;color:#6B7280;margin-bottom:8px\">Wyp\u0142ata w ratach przez ${r.lataRat} lat:<\/div>\n          <div style=\"display:flex;gap:24px;flex-wrap:wrap\">\n            <span>\ud83d\udcb5 Rata netto \/ mies.: <strong style=\"color:#0F152E\">${fmtPLN(r.pmtNet)}<\/strong><\/span>\n            <span>\u03a3 wyp\u0142acone netto \u0142\u0105cznie: <strong>${fmtPLN(r.totalNetRaty)}<\/strong><\/span>\n          <\/div>\n        <\/div>` : ''}\n        <div style=\"border-top:1px solid #E5E7EB;padding-top:16px;display:flex;justify-content:space-between;align-items:flex-end;gap:20px\">\n          <div style=\"font-size:10px;color:#9CA3AF;line-height:1.7;max-width:480px\">Analiza sporz\u0105dzona przy u\u017cyciu Kalkulatora IKE\/IKZE Jacek Horoszko Investment Partner. Limity wp\u0142at i zasady opodatkowania na podstawie aktualnych przepis\u00f3w. Dane maj\u0105 charakter pogl\u0105dowy i nie stanowi\u0105 porady inwestycyjnej, podatkowej ani oferty w rozumieniu przepis\u00f3w prawa.<\/div>\n          <div style=\"text-align:right;flex-shrink:0\">\n            <div style=\"font-size:13px;font-weight:700;color:#0F152E;font-family:Georgia,serif\">Jacek Horoszko<\/div>\n            <div style=\"font-size:10px;color:#9CA3AF\">Investment Partner<\/div>\n            <div style=\"font-size:10px;color:#9CA3AF\">www.jacekhoroszko.pl<\/div>\n            <div style=\"font-size:10px;color:#9CA3AF\">694 526 704 \u00b7 jacek.horoszko@phinance.pl<\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/body><\/html>`;\n    const win = window.open('', '_blank');\n    if (win) { win.document.write(html); win.document.close(); win.focus(); }\n  }\n\n  function generatePDF() {\n    const r = calc(state);\n    buildPDF(r);\n  }\n\n  \/\/ \u2500\u2500 Inicjalizacja \u2500\u2500\n  window.JhipIK = { setTab, upd, updSkladka, updWiekWyplaty, generatePDF };\n\n  function init() {\n    if (!document.getElementById('jhip-ik-tabs')) return;\n    render();\n  }\n  if (document.readyState === 'loading') {\n    document.addEventListener('DOMContentLoaded', init);\n  } else {\n    init();\n  }\n})();\n<\/script>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Jacek Horoszko Investment Partner POROZMAWIAJMY O mnie Finanse postrzegam jako obszar odpowiedzialno\u015bci, kt\u00f3ry wymaga spokoju, refleksji i d\u0142ugoterminowego my\u015blenia. Przez lata pracy przekona\u0142em si\u0119, \u017ce najwa\u017cniejsze w inwestowaniu nie s\u0105 emocje ani chwilowe okazje, lecz konsekwencja i \u015bwiadomo\u015b\u0107 podejmowanych decyzji. Od ponad dziesi\u0119ciu lat wsp\u00f3\u0142pracuj\u0119 z osobami, kt\u00f3re chc\u0105 uporz\u0105dkowa\u0107 swoje sprawy finansowe i podejmowa\u0107 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":67,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-62","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/pages\/62","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/comments?post=62"}],"version-history":[{"count":217,"href":"https:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/pages\/62\/revisions"}],"predecessor-version":[{"id":366,"href":"https:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/pages\/62\/revisions\/366"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/media\/67"}],"wp:attachment":[{"href":"https:\/\/jacekhoroszko.com\/index.php\/wp-json\/wp\/v2\/media?parent=62"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}