Kalkulator zdolności, integracja Moich ofert i system powiadomień

- Kalkulator zdolności kredytowej: nowy widok z live-obliczeniami (rata
  annuitetowa/malejąca, DTI/DSTI, rekomendacje, donut), wpięty w poradnik,
  panel i stronę główną; pasek boczny konta dla zalogowanych.
- Moje oferty: prawdziwe ogłoszenia (/listings/mine) scalone z listą,
  realne akcje Wstrzymaj/Wznów (PATCH /status, nowy status PAUSED),
  Usuń (DELETE) z kontrolą właściciela; realne wyświetlenia (viewsCount)
  i zapisane z ulubionych. Fix CHECK constraintu enuma w SchemaFixer.
- System powiadomień: encja Notification + serwis + kontroler + SSE
  realtime (token w query param w JwtAuthFilter). Podpięte źródła
  serwerowe (wiadomości, zmiana statusu ogłoszenia, zdarzenia konta)
  i klienckie (ulubione, spadek ceny, spotkania, weryfikacja telefonu).
  Centralny NotificationsProvider; dzwonek i strona bez zmian designu,
  klikalne z deep-linkami i oznaczaniem jako przeczytane.

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

backend/src/main/java/pl/polskalokalnie/admin/AdminController.java

@@ -27,6 +27,7 @@ import pl.polskalokalnie.listing.ListingStatus;
 import pl.polskalokalnie.message.MessageResponse;
 import pl.polskalokalnie.message.MessageService;
 import pl.polskalokalnie.message.SendMessageRequest;
+import pl.polskalokalnie.notification.NotificationService;
 import pl.polskalokalnie.report.ListingReportResponse;
 import pl.polskalokalnie.report.ListingReportService;
 import pl.polskalokalnie.report.ResolveListingReportRequest;
@@ -52,13 +53,15 @@ public class AdminController {
     private final TextModerationService textModerationService;
     private final AdminStatsService adminStatsService;
     private final PasswordEncoder passwordEncoder;
+    private final NotificationService notificationService;
 
     public AdminController(UserRepository userRepository, BlockedEmailRepository blockedEmailRepository,
             ListingService listingService, ListingReportService listingReportService,
             MessageService messageService,
             TextModerationService textModerationService,
             AdminStatsService adminStatsService,
-            PasswordEncoder passwordEncoder) {
+            PasswordEncoder passwordEncoder,
+            NotificationService notificationService) {
         this.userRepository = userRepository;
         this.blockedEmailRepository = blockedEmailRepository;
         this.listingService = listingService;
@@ -67,6 +70,7 @@ public class AdminController {
         this.textModerationService = textModerationService;
         this.adminStatsService = adminStatsService;
         this.passwordEncoder = passwordEncoder;
+        this.notificationService = notificationService;
     }
 
     // --- Uzytkownicy ---
@@ -93,7 +97,12 @@ public class AdminController {
     public UserResponse verify(@PathVariable Long id) {
         AppUser user = requireUser(id);
         user.setVerified(true);
-        return UserResponse.from(userRepository.save(user));
+        AppUser saved = userRepository.save(user);
+        notificationService.create(saved.getEmail(), "system", "check",
+                "Konto zweryfikowane",
+                "Twoje konto zostało zweryfikowane przez administratora. Masz dostęp do wszystkich funkcji serwisu.",
+                "accountSecurity", "account-verified");
+        return UserResponse.from(saved);
     }
 
     @PostMapping("/users/{id}/grant-admin")
@@ -104,7 +113,12 @@ public class AdminController {
         }
         user.setRole(Role.ADMIN);
         user.setVerified(true);
-        return UserResponse.from(userRepository.save(user));
+        AppUser saved = userRepository.save(user);
+        notificationService.create(saved.getEmail(), "system", "shield",
+                "Nadano uprawnienia administratora",
+                "Twoje konto otrzymało rolę administratora.",
+                "account", null);
+        return UserResponse.from(saved);
     }
 
     @PostMapping("/users/{id}/revoke-admin")
@@ -137,6 +151,10 @@ public class AdminController {
         String temporaryPassword = generateTemporaryPassword();
         user.setPasswordHash(passwordEncoder.encode(temporaryPassword));
         userRepository.save(user);
+        notificationService.create(user.getEmail(), "system", "lock",
+                "Hasło zostało zresetowane",
+                "Administrator zresetował hasło do Twojego konta. Zaloguj się nowym hasłem i ustaw własne w ustawieniach bezpieczeństwa.",
+                "accountSecurity", null);
         return new ResetPasswordResponse(temporaryPassword);
     }
 

backend/src/main/java/pl/polskalokalnie/auth/JwtAuthFilter.java

@@ -30,9 +30,8 @@ public class JwtAuthFilter extends OncePerRequestFilter {
             @NonNull HttpServletResponse response,
             @NonNull FilterChain filterChain
     ) throws ServletException, IOException {
-        String header = request.getHeader("Authorization");
+        String token = resolveToken(request);
-        if (header != null && header.startsWith("Bearer ")) {
+        if (token != null) {
-            String token = header.substring(7);
             try {
                 Claims claims = jwtService.parse(token);
                 String email = claims.getSubject();
@@ -48,4 +47,17 @@ public class JwtAuthFilter extends OncePerRequestFilter {
         }
         filterChain.doFilter(request, response);
     }
+
+    // Token z naglowka Authorization, a dla SSE (EventSource nie ustawia naglowkow) - z parametru access_token.
+    private String resolveToken(HttpServletRequest request) {
+        String header = request.getHeader("Authorization");
+        if (header != null && header.startsWith("Bearer ")) {
+            return header.substring(7);
+        }
+        String param = request.getParameter("access_token");
+        if (param != null && !param.isBlank()) {
+            return param;
+        }
+        return null;
+    }
 }

backend/src/main/java/pl/polskalokalnie/config/SchemaFixer.java

@@ -48,6 +48,16 @@ public class SchemaFixer {
                 "ALTER TABLE IF EXISTS listing_report_attachments ADD COLUMN IF NOT EXISTS data_url TEXT"
             );
 
+            // Hibernate (ddl-auto=update) nie aktualizuje CHECK constraintu enuma po dodaniu nowej wartosci.
+            // Odtwarzamy go tak, aby dopuszczal status PAUSED (wstrzymane ogloszenie uzytkownika).
+            jdbcTemplate.execute(
+                "ALTER TABLE property_listings DROP CONSTRAINT IF EXISTS property_listings_status_check"
+            );
+            jdbcTemplate.execute(
+                "ALTER TABLE property_listings ADD CONSTRAINT property_listings_status_check "
+                + "CHECK (status IN ('PENDING','APPROVED','REJECTED','PAUSED'))"
+            );
+
             String dataUrlType = jdbcTemplate.query(
                 "SELECT data_type FROM information_schema.columns WHERE table_name = 'listing_report_attachments' AND column_name = 'data_url'",
                 rs -> rs.next() ? rs.getString(1) : null

backend/src/main/java/pl/polskalokalnie/listing/ListingController.java

@@ -5,7 +5,9 @@ import java.net.URI;
 import java.util.List;
 import org.springframework.http.ResponseEntity;
 import org.springframework.security.core.Authentication;
+import org.springframework.web.bind.annotation.DeleteMapping;
 import org.springframework.web.bind.annotation.GetMapping;
+import org.springframework.web.bind.annotation.PatchMapping;
 import org.springframework.web.bind.annotation.PathVariable;
 import org.springframework.web.bind.annotation.PostMapping;
 import org.springframework.web.bind.annotation.RequestBody;
@@ -55,4 +57,20 @@ public class ListingController {
                 .created(URI.create("/api/listings/" + response.id()))
                 .body(response);
     }
+
+    // Wstrzymanie/wznowienie wlasnego ogloszenia (status=PAUSED lub APPROVED).
+    @PatchMapping("/{id}/status")
+    public ListingResponse updateStatus(
+            @PathVariable Long id,
+            @RequestParam ListingStatus status,
+            Authentication authentication
+    ) {
+        return listingService.setOwnStatus(id, authentication.getName(), status);
+    }
+
+    @DeleteMapping("/{id}")
+    public ResponseEntity<Void> delete(@PathVariable Long id, Authentication authentication) {
+        listingService.deleteOwn(id, authentication.getName());
+        return ResponseEntity.noContent().build();
+    }
 }

backend/src/main/java/pl/polskalokalnie/listing/ListingResponse.java

@@ -26,6 +26,7 @@ public record ListingResponse(
         String coverPhoto,
         String ownerEmail,
         ListingStatus status,
+        Long viewsCount,
         Instant createdAt
 ) {
     public static ListingResponse from(PropertyListing listing) {
@@ -48,6 +49,7 @@ public record ListingResponse(
                 listing.getCoverPhoto(),
                 listing.getOwnerEmail(),
                 listing.getStatus(),
+                listing.getViewsCount(),
                 listing.getCreatedAt()
         );
     }

backend/src/main/java/pl/polskalokalnie/listing/ListingService.java

@@ -10,6 +10,7 @@ import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 import org.springframework.web.server.ResponseStatusException;
 import pl.polskalokalnie.moderation.TextModerationService;
+import pl.polskalokalnie.notification.NotificationService;
 
 @Service
 public class ListingService {
@@ -18,10 +19,13 @@ public class ListingService {
 
     private final ListingRepository listingRepository;
     private final TextModerationService textModerationService;
+    private final NotificationService notificationService;
 
-    public ListingService(ListingRepository listingRepository, TextModerationService textModerationService) {
+    public ListingService(ListingRepository listingRepository, TextModerationService textModerationService,
+            NotificationService notificationService) {
         this.listingRepository = listingRepository;
         this.textModerationService = textModerationService;
+        this.notificationService = notificationService;
     }
 
     public List<ListingResponse> search(String city, OfferType offerType, PropertyType propertyType) {
@@ -56,6 +60,39 @@ public class ListingService {
                 .toList();
     }
 
+    // --- Operacje wlasciciela na wlasnym ogloszeniu ---
+
+    // Wstrzymanie/wznowienie widocznosci wlasnego ogloszenia (tylko miedzy APPROVED i PAUSED).
+    @Transactional
+    public ListingResponse setOwnStatus(Long id, String ownerEmail, ListingStatus status) {
+        if (status != ListingStatus.APPROVED && status != ListingStatus.PAUSED) {
+            throw new ResponseStatusException(HttpStatus.BAD_REQUEST, "Nieobslugiwana zmiana statusu");
+        }
+        PropertyListing listing = listingRepository.findById(id)
+                .orElseThrow(() -> new ResponseStatusException(HttpStatus.NOT_FOUND, "Listing not found"));
+        requireOwner(listing, ownerEmail);
+        if (listing.getStatus() != ListingStatus.APPROVED && listing.getStatus() != ListingStatus.PAUSED) {
+            throw new ResponseStatusException(HttpStatus.CONFLICT, "Tylko opublikowane ogloszenie mozna wstrzymac lub wznowic");
+        }
+        listing.setStatus(status);
+        return ListingResponse.from(listingRepository.save(listing));
+    }
+
+    @Transactional
+    public void deleteOwn(Long id, String ownerEmail) {
+        PropertyListing listing = listingRepository.findById(id)
+                .orElseThrow(() -> new ResponseStatusException(HttpStatus.NOT_FOUND, "Listing not found"));
+        requireOwner(listing, ownerEmail);
+        listingRepository.delete(listing);
+    }
+
+    private void requireOwner(PropertyListing listing, String ownerEmail) {
+        if (ownerEmail == null || listing.getOwnerEmail() == null
+                || !ownerEmail.equalsIgnoreCase(listing.getOwnerEmail())) {
+            throw new ResponseStatusException(HttpStatus.FORBIDDEN, "Brak uprawnien do tego ogloszenia");
+        }
+    }
+
     @Transactional
     public ListingDetailResponse create(ListingCreateRequest request, String ownerEmail) {
         textModerationService.validateOrThrow(
@@ -123,7 +160,32 @@ public class ListingService {
         PropertyListing listing = listingRepository.findById(id)
                 .orElseThrow(() -> new ResponseStatusException(HttpStatus.NOT_FOUND, "Listing not found"));
         listing.setStatus(status);
-        return ListingResponse.from(listingRepository.save(listing));
+        PropertyListing saved = listingRepository.save(listing);
+        notifyOwnerStatusChange(saved, status);
+        return ListingResponse.from(saved);
+    }
+
+    // Powiadomienie dla wlasciciela po decyzji moderacji (approve/reject).
+    private void notifyOwnerStatusChange(PropertyListing listing, ListingStatus status) {
+        if (listing.getOwnerEmail() == null) {
+            return;
+        }
+        String title;
+        String body;
+        String icon;
+        if (status == ListingStatus.APPROVED) {
+            title = "Ogłoszenie opublikowane";
+            body = "Twoje ogłoszenie „" + listing.getTitle() + "” zostało zatwierdzone i jest już widoczne w serwisie.";
+            icon = "check";
+        } else if (status == ListingStatus.REJECTED) {
+            title = "Ogłoszenie odrzucone";
+            body = "Twoje ogłoszenie „" + listing.getTitle() + "” zostało odrzucone przez moderację.";
+            icon = "warning";
+        } else {
+            return;
+        }
+        notificationService.create(listing.getOwnerEmail(), "listing", icon, title, body,
+                "listing:" + listing.getId(), "status-" + listing.getId() + "-" + status);
     }
 
     public void delete(Long id) {

backend/src/main/java/pl/polskalokalnie/listing/ListingStatus.java

@@ -3,5 +3,6 @@ package pl.polskalokalnie.listing;
 public enum ListingStatus {
     PENDING,
     APPROVED,
-    REJECTED
+    REJECTED,
+    PAUSED
 }

backend/src/main/java/pl/polskalokalnie/message/MessageService.java

@@ -5,6 +5,7 @@ import org.springframework.http.HttpStatus;
 import org.springframework.stereotype.Service;
 import org.springframework.web.server.ResponseStatusException;
 import pl.polskalokalnie.moderation.TextModerationService;
+import pl.polskalokalnie.notification.NotificationService;
 import pl.polskalokalnie.user.AppUser;
 import pl.polskalokalnie.user.Role;
 import pl.polskalokalnie.user.UserRepository;
@@ -15,15 +16,18 @@ public class MessageService {
     private final MessageRepository messageRepository;
     private final UserRepository userRepository;
     private final TextModerationService textModerationService;
+    private final NotificationService notificationService;
 
     public MessageService(
             MessageRepository messageRepository,
             UserRepository userRepository,
-            TextModerationService textModerationService
+            TextModerationService textModerationService,
+            NotificationService notificationService
     ) {
         this.messageRepository = messageRepository;
         this.userRepository = userRepository;
         this.textModerationService = textModerationService;
+        this.notificationService = notificationService;
     }
 
     public AppUser resolveAdmin() {
@@ -46,9 +50,38 @@ public class MessageService {
         message.setRecipientId(recipientId);
         message.setContent(content.trim());
         Message saved = messageRepository.save(message);
+
+        notifyRecipient(senderId, recipientId, saved.getContent());
+
         return MessageResponse.from(saved, senderId);
     }
 
+    // Powiadomienie dla odbiorcy kazdej wiadomosci: admin->user ("Wiadomosc od obslugi"),
+    // user->admin traktujemy jako zapytanie/wiadomosc do obslugi.
+    private void notifyRecipient(Long senderId, Long recipientId, String content) {
+        AppUser recipient = userRepository.findById(recipientId).orElse(null);
+        if (recipient == null) {
+            return;
+        }
+        AppUser sender = userRepository.findById(senderId).orElse(null);
+        String senderName = sender != null && sender.getFullName() != null && !sender.getFullName().isBlank()
+                ? sender.getFullName()
+                : "użytkownika";
+        String preview = content.length() > 90 ? content.substring(0, 90) + "…" : content;
+
+        if (recipient.getRole() == Role.ADMIN) {
+            notificationService.create(recipient.getEmail(), "messages", "message",
+                    "Nowa wiadomość od użytkownika",
+                    senderName + ": " + preview,
+                    "messages", null);
+        } else {
+            notificationService.create(recipient.getEmail(), "messages", "mail",
+                    "Wiadomość od obsługi Mieszko",
+                    preview,
+                    "messages:admin", null);
+        }
+    }
+
     public long countUnreadFrom(Long recipientId, Long senderId) {
         return messageRepository.countByRecipientIdAndSenderIdAndReadFalse(recipientId, senderId);
     }

backend/src/main/java/pl/polskalokalnie/notification/CreateNotificationRequest.java

@@ -0,0 +1,19 @@
+package pl.polskalokalnie.notification;
+
+import jakarta.validation.constraints.NotBlank;
+import jakarta.validation.constraints.Size;
+
+/**
+ * Zadanie utworzenia powiadomienia dla zalogowanego uzytkownika (zdarzenia liczone po stronie klienta:
+ * alerty cenowe, spotkania, ulubione, weryfikacja telefonu, dopasowane oferty).
+ * userEmail NIE jest przyjmowany z ciala - serwer ustawia go z tokenu.
+ */
+public record CreateNotificationRequest(
+        @NotBlank @Size(max = 20) String category,
+        @Size(max = 40) String icon,
+        @NotBlank @Size(max = 200) String title,
+        @Size(max = 600) String body,
+        @Size(max = 200) String link,
+        @Size(max = 160) String dedupeKey
+) {
+}

backend/src/main/java/pl/polskalokalnie/notification/Notification.java

@@ -0,0 +1,128 @@
+package pl.polskalokalnie.notification;
+
+import jakarta.persistence.Column;
+import jakarta.persistence.Entity;
+import jakarta.persistence.GeneratedValue;
+import jakarta.persistence.GenerationType;
+import jakarta.persistence.Id;
+import jakarta.persistence.Index;
+import jakarta.persistence.Table;
+import java.time.Instant;
+
+@Entity
+@Table(name = "notifications", indexes = {
+        @Index(name = "idx_notifications_user", columnList = "userEmail"),
+        @Index(name = "idx_notifications_user_dedupe", columnList = "userEmail,dedupeKey")
+})
+public class Notification {
+
+    @Id
+    @GeneratedValue(strategy = GenerationType.IDENTITY)
+    private Long id;
+
+    @Column(nullable = false)
+    private String userEmail;
+
+    // Kategoria zgodna z frontendem: listing | messages | system.
+    @Column(nullable = false, length = 20)
+    private String category;
+
+    @Column(nullable = false, length = 40)
+    private String icon;
+
+    @Column(nullable = false, length = 200)
+    private String title;
+
+    @Column(length = 600)
+    private String body;
+
+    // Deskryptor deep-linku, np. "listing:12", "messages:admin", "priceAlerts", "meetings".
+    @Column(length = 200)
+    private String link;
+
+    // Klucz idempotencji - blokuje duplikaty tego samego zdarzenia (np. jeden spadek ceny).
+    @Column(length = 160)
+    private String dedupeKey;
+
+    @Column(nullable = false)
+    private boolean read = false;
+
+    @Column(nullable = false)
+    private Instant createdAt = Instant.now();
+
+    public Long getId() {
+        return id;
+    }
+
+    public String getUserEmail() {
+        return userEmail;
+    }
+
+    public void setUserEmail(String userEmail) {
+        this.userEmail = userEmail;
+    }
+
+    public String getCategory() {
+        return category;
+    }
+
+    public void setCategory(String category) {
+        this.category = category;
+    }
+
+    public String getIcon() {
+        return icon;
+    }
+
+    public void setIcon(String icon) {
+        this.icon = icon;
+    }
+
+    public String getTitle() {
+        return title;
+    }
+
+    public void setTitle(String title) {
+        this.title = title;
+    }
+
+    public String getBody() {
+        return body;
+    }
+
+    public void setBody(String body) {
+        this.body = body;
+    }
+
+    public String getLink() {
+        return link;
+    }
+
+    public void setLink(String link) {
+        this.link = link;
+    }
+
+    public String getDedupeKey() {
+        return dedupeKey;
+    }
+
+    public void setDedupeKey(String dedupeKey) {
+        this.dedupeKey = dedupeKey;
+    }
+
+    public boolean isRead() {
+        return read;
+    }
+
+    public void setRead(boolean read) {
+        this.read = read;
+    }
+
+    public Instant getCreatedAt() {
+        return createdAt;
+    }
+
+    public void setCreatedAt(Instant createdAt) {
+        this.createdAt = createdAt;
+    }
+}

backend/src/main/java/pl/polskalokalnie/notification/NotificationController.java

@@ -0,0 +1,71 @@
+package pl.polskalokalnie.notification;
+
+import jakarta.validation.Valid;
+import java.util.List;
+import org.springframework.http.MediaType;
+import org.springframework.http.ResponseEntity;
+import org.springframework.security.core.Authentication;
+import org.springframework.web.bind.annotation.GetMapping;
+import org.springframework.web.bind.annotation.PathVariable;
+import org.springframework.web.bind.annotation.PostMapping;
+import org.springframework.web.bind.annotation.RequestBody;
+import org.springframework.web.bind.annotation.RequestMapping;
+import org.springframework.web.bind.annotation.RestController;
+import org.springframework.web.servlet.mvc.method.annotation.SseEmitter;
+
+@RestController
+@RequestMapping("/api/notifications")
+public class NotificationController {
+
+    private final NotificationService notificationService;
+
+    public NotificationController(NotificationService notificationService) {
+        this.notificationService = notificationService;
+    }
+
+    @GetMapping
+    public List<NotificationResponse> list(Authentication authentication) {
+        return notificationService.listOwn(authentication.getName());
+    }
+
+    @GetMapping("/unread-count")
+    public UnreadCountResponse unreadCount(Authentication authentication) {
+        return new UnreadCountResponse(notificationService.unreadCount(authentication.getName()));
+    }
+
+    @PostMapping("/{id}/read")
+    public ResponseEntity<Void> markRead(@PathVariable Long id, Authentication authentication) {
+        notificationService.markRead(id, authentication.getName());
+        return ResponseEntity.noContent().build();
+    }
+
+    @PostMapping("/read-all")
+    public ResponseEntity<Void> markAllRead(Authentication authentication) {
+        notificationService.markAllRead(authentication.getName());
+        return ResponseEntity.noContent().build();
+    }
+
+    // Zdarzenia liczone po stronie klienta (alerty cenowe, spotkania, ulubione, weryfikacja telefonu,
+    // dopasowane oferty). Powiadomienie zawsze trafia do zalogowanego uzytkownika (serwer ustawia odbiorce).
+    @PostMapping
+    public NotificationResponse create(@Valid @RequestBody CreateNotificationRequest request, Authentication authentication) {
+        Notification created = notificationService.create(
+                authentication.getName(),
+                request.category(),
+                request.icon(),
+                request.title(),
+                request.body(),
+                request.link(),
+                request.dedupeKey()
+        );
+        return created == null ? null : NotificationResponse.from(created);
+    }
+
+    @GetMapping(value = "/stream", produces = MediaType.TEXT_EVENT_STREAM_VALUE)
+    public SseEmitter stream(Authentication authentication) {
+        return notificationService.subscribe(authentication.getName());
+    }
+
+    public record UnreadCountResponse(long count) {
+    }
+}

backend/src/main/java/pl/polskalokalnie/notification/NotificationRepository.java

@@ -0,0 +1,20 @@
+package pl.polskalokalnie.notification;
+
+import java.util.List;
+import org.springframework.data.jpa.repository.JpaRepository;
+import org.springframework.data.jpa.repository.Modifying;
+import org.springframework.data.jpa.repository.Query;
+import org.springframework.data.repository.query.Param;
+
+public interface NotificationRepository extends JpaRepository<Notification, Long> {
+
+    List<Notification> findTop100ByUserEmailIgnoreCaseOrderByCreatedAtDesc(String userEmail);
+
+    long countByUserEmailIgnoreCaseAndReadFalse(String userEmail);
+
+    boolean existsByUserEmailIgnoreCaseAndDedupeKey(String userEmail, String dedupeKey);
+
+    @Modifying
+    @Query("update Notification n set n.read = true where lower(n.userEmail) = lower(:email) and n.read = false")
+    int markAllRead(@Param("email") String email);
+}

backend/src/main/java/pl/polskalokalnie/notification/NotificationResponse.java

@@ -0,0 +1,27 @@
+package pl.polskalokalnie.notification;
+
+import java.time.Instant;
+
+public record NotificationResponse(
+        Long id,
+        String category,
+        String icon,
+        String title,
+        String body,
+        String link,
+        boolean read,
+        Instant createdAt
+) {
+    public static NotificationResponse from(Notification n) {
+        return new NotificationResponse(
+                n.getId(),
+                n.getCategory(),
+                n.getIcon(),
+                n.getTitle(),
+                n.getBody(),
+                n.getLink(),
+                n.isRead(),
+                n.getCreatedAt()
+        );
+    }
+}

backend/src/main/java/pl/polskalokalnie/notification/NotificationService.java

@@ -0,0 +1,143 @@
+package pl.polskalokalnie.notification;
+
+import java.io.IOException;
+import java.util.List;
+import java.util.Map;
+import java.util.concurrent.ConcurrentHashMap;
+import java.util.concurrent.CopyOnWriteArrayList;
+import org.springframework.http.HttpStatus;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import org.springframework.web.server.ResponseStatusException;
+import org.springframework.web.servlet.mvc.method.annotation.SseEmitter;
+
+/**
+ * Centralny serwis powiadomien. Zapisuje powiadomienia per uzytkownik i wypycha je w czasie
+ * rzeczywistym przez SSE. Inne moduly (wiadomosci, ogloszenia, administracja) wolaja {@link #create}.
+ */
+@Service
+public class NotificationService {
+
+    private static final long SSE_TIMEOUT_MS = 30L * 60L * 1000L;
+
+    private final NotificationRepository repository;
+
+    // email uzytkownika -> otwarte polaczenia SSE (moze byc kilka kart/urzadzen).
+    private final Map<String, CopyOnWriteArrayList<SseEmitter>> emitters = new ConcurrentHashMap<>();
+
+    public NotificationService(NotificationRepository repository) {
+        this.repository = repository;
+    }
+
+    @Transactional
+    public Notification create(String userEmail, String category, String icon, String title,
+            String body, String link, String dedupeKey) {
+        if (userEmail == null || userEmail.isBlank() || title == null || title.isBlank()) {
+            return null;
+        }
+        if (dedupeKey != null && !dedupeKey.isBlank()
+                && repository.existsByUserEmailIgnoreCaseAndDedupeKey(userEmail, dedupeKey)) {
+            return null;
+        }
+        Notification notification = new Notification();
+        notification.setUserEmail(userEmail);
+        notification.setCategory(normalizeCategory(category));
+        notification.setIcon(icon == null || icon.isBlank() ? defaultIcon(category) : icon);
+        notification.setTitle(title.trim());
+        notification.setBody(body == null ? null : body.trim());
+        notification.setLink(link == null || link.isBlank() ? null : link.trim());
+        notification.setDedupeKey(dedupeKey == null || dedupeKey.isBlank() ? null : dedupeKey.trim());
+
+        Notification saved = repository.save(notification);
+        push(userEmail, NotificationResponse.from(saved));
+        return saved;
+    }
+
+    public List<NotificationResponse> listOwn(String email) {
+        return repository.findTop100ByUserEmailIgnoreCaseOrderByCreatedAtDesc(email).stream()
+                .map(NotificationResponse::from)
+                .toList();
+    }
+
+    public long unreadCount(String email) {
+        return repository.countByUserEmailIgnoreCaseAndReadFalse(email);
+    }
+
+    @Transactional
+    public void markRead(Long id, String email) {
+        Notification notification = repository.findById(id)
+                .orElseThrow(() -> new ResponseStatusException(HttpStatus.NOT_FOUND, "Powiadomienie nie istnieje"));
+        if (email == null || !email.equalsIgnoreCase(notification.getUserEmail())) {
+            throw new ResponseStatusException(HttpStatus.FORBIDDEN, "Brak dostepu do tego powiadomienia");
+        }
+        if (!notification.isRead()) {
+            notification.setRead(true);
+            repository.save(notification);
+        }
+    }
+
+    @Transactional
+    public void markAllRead(String email) {
+        repository.markAllRead(email);
+    }
+
+    // --- SSE ---
+
+    public SseEmitter subscribe(String email) {
+        SseEmitter emitter = new SseEmitter(SSE_TIMEOUT_MS);
+        CopyOnWriteArrayList<SseEmitter> list = emitters.computeIfAbsent(email, key -> new CopyOnWriteArrayList<>());
+        list.add(emitter);
+
+        emitter.onCompletion(() -> remove(email, emitter));
+        emitter.onTimeout(() -> remove(email, emitter));
+        emitter.onError(error -> remove(email, emitter));
+
+        try {
+            emitter.send(SseEmitter.event().name("ready").data("ok"));
+        } catch (IOException ex) {
+            remove(email, emitter);
+        }
+        return emitter;
+    }
+
+    private void push(String email, NotificationResponse payload) {
+        CopyOnWriteArrayList<SseEmitter> list = emitters.get(email);
+        if (list == null) {
+            return;
+        }
+        for (SseEmitter emitter : list) {
+            try {
+                emitter.send(SseEmitter.event().name("notification").data(payload));
+            } catch (Exception ex) {
+                remove(email, emitter);
+            }
+        }
+    }
+
+    private void remove(String email, SseEmitter emitter) {
+        CopyOnWriteArrayList<SseEmitter> list = emitters.get(email);
+        if (list != null) {
+            list.remove(emitter);
+            if (list.isEmpty()) {
+                emitters.remove(email, list);
+            }
+        }
+    }
+
+    private String normalizeCategory(String category) {
+        if ("listing".equals(category) || "messages".equals(category) || "system".equals(category)) {
+            return category;
+        }
+        return "system";
+    }
+
+    private String defaultIcon(String category) {
+        if ("messages".equals(category)) {
+            return "message";
+        }
+        if ("listing".equals(category)) {
+            return "house";
+        }
+        return "bell";
+    }
+}

frontend/src/main.tsx

@@ -2,11 +2,14 @@ import React from 'react';
 import ReactDOM from 'react-dom/client';
 import App from './App';
 import { AuthProvider } from './auth';
+import { NotificationsProvider } from './notifications';
 
 ReactDOM.createRoot(document.getElementById('root')!).render(
   <React.StrictMode>
     <AuthProvider>
-      <App />
+      <NotificationsProvider>
+        <App />
+      </NotificationsProvider>
     </AuthProvider>
   </React.StrictMode>,
 );

frontend/src/notifications.tsx

@@ -0,0 +1,178 @@
+import { createContext, useCallback, useContext, useEffect, useRef, useState } from 'react';
+import type { ReactNode } from 'react';
+import { apiFetch, getToken, useAuth } from './auth';
+
+export type NotificationCategoryKey = 'listing' | 'messages' | 'system';
+
+// Powiadomienie w formie z backendu.
+export type ServerNotification = {
+  id: number;
+  category: NotificationCategoryKey;
+  icon: string;
+  title: string;
+  body: string | null;
+  link: string | null;
+  read: boolean;
+  createdAt: string;
+};
+
+// Zdarzenia liczone po stronie klienta (alerty cen, spotkania, ulubione, telefon, dopasowania).
+export type NotifyInput = {
+  category: NotificationCategoryKey;
+  icon?: string;
+  title: string;
+  body?: string;
+  link?: string;
+  dedupeKey?: string;
+};
+
+// Kształt do renderu (zgodny z istniejącym UI: title/description/timeLabel/dayLabel/category/icon/unread/action).
+export type DisplayNotification = ServerNotification & {
+  description: string;
+  timeLabel: string;
+  dayLabel: 'Dzisiaj' | 'Wczoraj';
+  unread: boolean;
+  action?: 'arrow';
+};
+
+type NotificationsContextValue = {
+  notifications: ServerNotification[];
+  unreadCount: number;
+  markRead: (id: number) => void;
+  markAllRead: () => void;
+  notify: (input: NotifyInput) => void;
+  refresh: () => void;
+};
+
+const NotificationsContext = createContext<NotificationsContextValue | null>(null);
+
+function pad(value: number): string {
+  return value < 10 ? `0${value}` : String(value);
+}
+
+// Mapowanie listy z backendu na kształt oczekiwany przez istniejący widok (bez zmiany designu).
+export function toDisplayNotifications(list: ServerNotification[]): DisplayNotification[] {
+  const now = new Date();
+  const startOfToday = new Date(now.getFullYear(), now.getMonth(), now.getDate()).getTime();
+  const startOfYesterday = startOfToday - 24 * 60 * 60 * 1000;
+
+  return list.map((item) => {
+    const created = new Date(item.createdAt);
+    const createdMs = created.getTime();
+    const time = `${pad(created.getHours())}:${pad(created.getMinutes())}`;
+    const isToday = createdMs >= startOfToday;
+    const isYesterday = createdMs >= startOfYesterday && createdMs < startOfToday;
+
+    let timeLabel: string;
+    if (isToday) {
+      timeLabel = time;
+    } else if (isYesterday) {
+      timeLabel = `Wczoraj, ${time}`;
+    } else {
+      timeLabel = `${pad(created.getDate())}.${pad(created.getMonth() + 1)}, ${time}`;
+    }
+
+    const unread = !item.read;
+    return {
+      ...item,
+      description: item.body ?? '',
+      timeLabel,
+      // Widok grupuje wyłącznie na "Dzisiaj"/"Wczoraj" — starsze trafiają do "Wczoraj".
+      dayLabel: isToday ? 'Dzisiaj' : 'Wczoraj',
+      unread,
+      action: !unread && item.link ? 'arrow' : undefined,
+    };
+  });
+}
+
+export function NotificationsProvider({ children }: { children: ReactNode }) {
+  const { user } = useAuth();
+  const [notifications, setNotifications] = useState<ServerNotification[]>([]);
+  const sentDedupeKeys = useRef<Set<string>>(new Set());
+
+  const unreadCount = notifications.reduce((count, item) => (item.read ? count : count + 1), 0);
+
+  const refresh = useCallback(() => {
+    if (!getToken()) {
+      setNotifications([]);
+      return;
+    }
+    apiFetch<ServerNotification[]>('/notifications')
+      .then((data) => setNotifications(Array.isArray(data) ? data : []))
+      .catch(() => { /* cicho - brak sieci/tokenu */ });
+  }, []);
+
+  // Ładowanie listy + realtime (SSE) gdy użytkownik zalogowany. Token w query param (EventSource nie ustawia nagłówków).
+  useEffect(() => {
+    const token = getToken();
+    if (!user || !token) {
+      setNotifications([]);
+      sentDedupeKeys.current = new Set();
+      return;
+    }
+
+    refresh();
+
+    const source = new EventSource(`/api/notifications/stream?access_token=${encodeURIComponent(token)}`);
+    source.addEventListener('notification', (event) => {
+      try {
+        const incoming = JSON.parse((event as MessageEvent).data) as ServerNotification;
+        setNotifications((current) => (current.some((item) => item.id === incoming.id) ? current : [incoming, ...current]));
+      } catch {
+        /* ignoruj nieparsowalne zdarzenie */
+      }
+    });
+    // onerror: EventSource sam ponawia połączenie.
+
+    // Zapasowy polling na wypadek zerwanego SSE.
+    const pollId = window.setInterval(refresh, 60000);
+
+    return () => {
+      source.close();
+      window.clearInterval(pollId);
+    };
+  }, [user, refresh]);
+
+  const markRead = useCallback((id: number) => {
+    setNotifications((current) => current.map((item) => (item.id === id ? { ...item, read: true } : item)));
+    apiFetch(`/notifications/${id}/read`, { method: 'POST' }).catch(() => {});
+  }, []);
+
+  const markAllRead = useCallback(() => {
+    setNotifications((current) => current.map((item) => ({ ...item, read: true })));
+    apiFetch('/notifications/read-all', { method: 'POST' }).catch(() => {});
+  }, []);
+
+  const notify = useCallback((input: NotifyInput) => {
+    if (!getToken() || !input.title) {
+      return;
+    }
+    if (input.dedupeKey) {
+      if (sentDedupeKeys.current.has(input.dedupeKey)) {
+        return;
+      }
+      sentDedupeKeys.current.add(input.dedupeKey);
+    }
+    apiFetch<ServerNotification | null>('/notifications', { method: 'POST', body: JSON.stringify(input) })
+      .then((created) => {
+        if (created && created.id) {
+          setNotifications((current) => (current.some((item) => item.id === created.id) ? current : [created, ...current]));
+        }
+      })
+      .catch(() => {});
+  }, []);
+
+  return (
+    <NotificationsContext.Provider value={{ notifications, unreadCount, markRead, markAllRead, notify, refresh }}>
+      {children}
+    </NotificationsContext.Provider>
+  );
+}
+
+export function useNotifications(): NotificationsContextValue {
+  const context = useContext(NotificationsContext);
+  if (!context) {
+    throw new Error('useNotifications musi być użyte wewnątrz NotificationsProvider');
+  }
+  return context;
+}

frontend/src/styles.css

@@ -25842,3 +25842,805 @@ svg {
     align-items: flex-start;
   }
 }
+
+/* ---- Kalkulator zdolności kredytowej ---- */
+.credit-page {
+  background: #f4f7fb;
+  padding: 34px 20px 70px;
+}
+
+.credit-shell {
+  margin: 0 auto;
+  max-width: 1240px;
+}
+
+.credit-breadcrumb {
+  margin-bottom: 18px;
+}
+
+.credit-title {
+  align-items: center;
+  display: flex;
+  gap: 18px;
+  margin-bottom: 26px;
+}
+
+.credit-title-icon {
+  align-items: center;
+  background: #e6f6ee;
+  border-radius: 14px;
+  color: #0b9f5c;
+  display: flex;
+  flex: 0 0 auto;
+  font-size: 26px;
+  height: 56px;
+  justify-content: center;
+  width: 56px;
+}
+
+.credit-title h1 {
+  color: #14223a;
+  font-size: 30px;
+  font-weight: 950;
+  margin: 0 0 6px;
+}
+
+.credit-title p {
+  color: #526171;
+  font-size: 14px;
+  font-weight: 700;
+  line-height: 1.55;
+  margin: 0;
+  max-width: 780px;
+}
+
+.credit-layout {
+  align-items: start;
+  display: grid;
+  gap: 22px;
+  grid-template-columns: minmax(320px, 430px) minmax(0, 1fr);
+}
+
+.credit-form-column,
+.credit-result-column {
+  display: grid;
+  gap: 18px;
+  min-width: 0;
+}
+
+.credit-card {
+  background: #ffffff;
+  border: 1px solid #dfe7ef;
+  border-radius: 12px;
+  box-shadow: 0 12px 32px rgba(24, 35, 57, 0.05);
+  padding: 22px 22px 20px;
+}
+
+.credit-card h2 {
+  align-items: center;
+  color: #14223a;
+  display: flex;
+  font-size: 16px;
+  font-weight: 950;
+  gap: 12px;
+  margin: 0 0 18px;
+}
+
+.credit-step-badge {
+  align-items: center;
+  background: #0b9f5c;
+  border-radius: 50%;
+  color: #ffffff;
+  display: inline-flex;
+  font-size: 13px;
+  font-weight: 950;
+  height: 26px;
+  justify-content: center;
+  width: 26px;
+}
+
+.credit-grid {
+  display: grid;
+  gap: 16px;
+}
+
+.credit-grid-2 {
+  grid-template-columns: repeat(2, minmax(0, 1fr));
+}
+
+.credit-field {
+  display: grid;
+  gap: 8px;
+  min-width: 0;
+}
+
+.credit-field-wide {
+  grid-column: 1 / -1;
+}
+
+.credit-field > span {
+  color: #27364d;
+  font-size: 13px;
+  font-weight: 900;
+}
+
+.credit-field small {
+  color: #7a8798;
+  font-size: 11.5px;
+  font-weight: 800;
+}
+
+.credit-field input,
+.credit-field select {
+  background: #ffffff;
+  border: 1px solid #d5dee8;
+  border-radius: 8px;
+  color: #14223a;
+  font-size: 14px;
+  font-weight: 800;
+  min-height: 48px;
+  padding: 0 13px;
+  width: 100%;
+}
+
+.credit-field input:focus,
+.credit-field select:focus {
+  border-color: #0b9f5c;
+  box-shadow: 0 0 0 3px rgba(11, 159, 92, 0.14);
+  outline: none;
+}
+
+.credit-input-suffix {
+  align-items: center;
+  background: #ffffff;
+  border: 1px solid #d5dee8;
+  border-radius: 8px;
+  display: flex;
+  min-height: 48px;
+  overflow: hidden;
+  padding-right: 12px;
+}
+
+.credit-input-suffix:focus-within {
+  border-color: #0b9f5c;
+  box-shadow: 0 0 0 3px rgba(11, 159, 92, 0.14);
+}
+
+.credit-input-suffix input {
+  border: none;
+  box-shadow: none;
+  min-height: 46px;
+}
+
+.credit-input-suffix input:focus {
+  border: none;
+  box-shadow: none;
+}
+
+.credit-input-suffix em {
+  color: #7a8798;
+  font-size: 13px;
+  font-style: normal;
+  font-weight: 900;
+}
+
+.credit-stepper {
+  align-items: center;
+  border: 1px solid #d5dee8;
+  border-radius: 8px;
+  display: grid;
+  grid-template-columns: 48px minmax(0, 1fr) 48px;
+  min-height: 48px;
+  overflow: hidden;
+}
+
+.credit-stepper button {
+  background: #f4f7fb;
+  border: none;
+  color: #0b9f5c;
+  font-size: 22px;
+  font-weight: 900;
+  height: 100%;
+}
+
+.credit-stepper button:hover {
+  background: #e6f6ee;
+}
+
+.credit-stepper strong {
+  color: #14223a;
+  font-size: 16px;
+  font-weight: 950;
+  text-align: center;
+}
+
+.credit-segmented {
+  background: #eef2f7;
+  border-radius: 8px;
+  display: grid;
+  gap: 4px;
+  grid-template-columns: repeat(2, minmax(0, 1fr));
+  padding: 4px;
+}
+
+.credit-segmented button {
+  background: transparent;
+  border: none;
+  border-radius: 6px;
+  color: #526171;
+  font-size: 13px;
+  font-weight: 900;
+  padding: 11px 8px;
+}
+
+.credit-segmented button.active {
+  background: #ffffff;
+  box-shadow: 0 2px 8px rgba(24, 35, 57, 0.12);
+  color: #0b9f5c;
+}
+
+.credit-range-value {
+  color: #0b9f5c;
+  font-weight: 950;
+}
+
+.credit-range {
+  -webkit-appearance: none;
+  appearance: none;
+  background: linear-gradient(#d5dee8, #d5dee8) no-repeat;
+  background-size: 100% 6px;
+  background-position: 0 center;
+  border-radius: 6px;
+  height: 24px;
+  width: 100%;
+}
+
+.credit-range::-webkit-slider-thumb {
+  -webkit-appearance: none;
+  appearance: none;
+  background: #0b9f5c;
+  border: 3px solid #ffffff;
+  border-radius: 50%;
+  box-shadow: 0 2px 8px rgba(11, 159, 92, 0.4);
+  height: 22px;
+  width: 22px;
+}
+
+.credit-range::-moz-range-thumb {
+  background: #0b9f5c;
+  border: 3px solid #ffffff;
+  border-radius: 50%;
+  height: 22px;
+  width: 22px;
+}
+
+.credit-range-scale {
+  color: #97a3b2;
+  display: flex;
+  font-size: 11px;
+  font-weight: 800;
+  justify-content: space-between;
+}
+
+.credit-actions {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 12px;
+}
+
+.credit-btn-primary,
+.credit-btn-ghost {
+  align-items: center;
+  border-radius: 10px;
+  display: inline-flex;
+  font-size: 14px;
+  font-weight: 900;
+  gap: 9px;
+  justify-content: center;
+  min-height: 50px;
+  padding: 0 22px;
+}
+
+.credit-btn-primary {
+  background: #0b9f5c;
+  border: none;
+  color: #ffffff;
+  flex: 1 1 auto;
+}
+
+.credit-btn-primary:hover {
+  background: #0a8b50;
+}
+
+.credit-btn-ghost {
+  background: #ffffff;
+  border: 1px solid #d5dee8;
+  color: #27364d;
+}
+
+.credit-btn-ghost:hover {
+  border-color: #b7c2cf;
+}
+
+/* Wynik */
+.credit-result-hero {
+  border-radius: 14px;
+  color: #ffffff;
+  overflow: hidden;
+  padding: 26px 28px 24px;
+  position: relative;
+}
+
+.credit-tone-verysafe,
+.credit-tone-safe {
+  background: linear-gradient(135deg, #0b9f5c, #0a8b50);
+}
+
+.credit-tone-moderate {
+  background: linear-gradient(135deg, #d98a13, #c2790a);
+}
+
+.credit-tone-high {
+  background: linear-gradient(135deg, #e0592f, #c8461f);
+}
+
+.credit-tone-none,
+.credit-tone-empty {
+  background: linear-gradient(135deg, #4a5a70, #35435a);
+}
+
+.credit-result-hero.pulse {
+  animation: creditPulse 0.9s ease;
+}
+
+@keyframes creditPulse {
+  0% { transform: scale(1); }
+  40% { transform: scale(1.014); }
+  100% { transform: scale(1); }
+}
+
+.credit-hero-top {
+  align-items: center;
+  display: flex;
+  gap: 12px;
+  justify-content: space-between;
+}
+
+.credit-hero-top > span:first-child {
+  font-size: 14px;
+  font-weight: 850;
+  opacity: 0.92;
+}
+
+.credit-badge {
+  background: rgba(255, 255, 255, 0.22);
+  border-radius: 999px;
+  font-size: 12px;
+  font-weight: 900;
+  padding: 6px 12px;
+  white-space: nowrap;
+}
+
+.credit-result-hero strong {
+  display: block;
+  font-size: 44px;
+  font-weight: 950;
+  letter-spacing: -0.5px;
+  line-height: 1;
+  margin: 18px 0 12px;
+}
+
+.credit-stars {
+  display: flex;
+  gap: 3px;
+}
+
+.credit-stars span {
+  color: rgba(255, 255, 255, 0.4);
+  font-size: 17px;
+}
+
+.credit-stars span.on {
+  color: #ffd873;
+}
+
+.credit-stars span svg {
+  fill: currentColor;
+  stroke: none;
+}
+
+.credit-result-hero p {
+  font-size: 13px;
+  font-weight: 750;
+  line-height: 1.5;
+  margin: 14px 0 0;
+  opacity: 0.94;
+}
+
+.credit-tiles {
+  display: grid;
+  gap: 14px;
+  grid-template-columns: repeat(3, minmax(0, 1fr));
+}
+
+.credit-tile {
+  background: #ffffff;
+  border: 1px solid #dfe7ef;
+  border-radius: 12px;
+  box-shadow: 0 12px 32px rgba(24, 35, 57, 0.05);
+  display: grid;
+  gap: 6px;
+  padding: 16px 16px 15px;
+}
+
+.credit-tile small {
+  color: #7a8798;
+  font-size: 12px;
+  font-weight: 850;
+}
+
+.credit-tile strong {
+  color: #14223a;
+  font-size: 20px;
+  font-weight: 950;
+}
+
+.credit-tile em {
+  color: #0b9f5c;
+  font-size: 11.5px;
+  font-style: normal;
+  font-weight: 850;
+}
+
+.credit-details-head {
+  align-items: center;
+  display: grid;
+  gap: 20px;
+  grid-template-columns: minmax(0, 1fr) 250px;
+  margin-bottom: 18px;
+}
+
+.credit-details h3 {
+  color: #14223a;
+  font-size: 16px;
+  font-weight: 950;
+  margin: 0;
+}
+
+.credit-donut-wrap {
+  align-items: center;
+  display: grid;
+  gap: 6px;
+  justify-items: center;
+}
+
+.credit-donut {
+  height: 128px;
+  width: 128px;
+}
+
+.credit-donut circle {
+  fill: none;
+  stroke-width: 13;
+}
+
+.credit-donut-track {
+  stroke: #eef2f7;
+}
+
+.credit-donut-you {
+  stroke: #0b9f5c;
+  stroke-linecap: round;
+}
+
+.credit-donut-partner {
+  stroke: #3f8bff;
+  stroke-linecap: round;
+}
+
+.credit-donut-value {
+  dominant-baseline: middle;
+  fill: #14223a;
+  font-size: 20px;
+  font-weight: 900;
+  stroke: none;
+  text-anchor: middle;
+}
+
+.credit-donut-label {
+  dominant-baseline: middle;
+  fill: #7a8798;
+  font-size: 10px;
+  font-weight: 800;
+  stroke: none;
+  text-anchor: middle;
+}
+
+.credit-donut-legend {
+  display: grid;
+  gap: 6px;
+  list-style: none;
+  margin: 4px 0 0;
+  padding: 0;
+  width: 100%;
+}
+
+.credit-donut-legend li {
+  align-items: center;
+  color: #526171;
+  display: flex;
+  font-size: 12px;
+  font-weight: 800;
+  gap: 7px;
+}
+
+.credit-donut-legend b {
+  color: #14223a;
+  margin-left: auto;
+}
+
+.credit-donut-legend i {
+  border-radius: 3px;
+  flex: 0 0 auto;
+  height: 11px;
+  width: 11px;
+}
+
+.credit-dot-you {
+  background: #0b9f5c;
+}
+
+.credit-dot-partner {
+  background: #3f8bff;
+}
+
+.credit-detail-rows {
+  display: grid;
+  gap: 0;
+  margin: 0;
+}
+
+.credit-detail-row {
+  align-items: center;
+  border-top: 1px solid #eef2f7;
+  display: flex;
+  gap: 12px;
+  justify-content: space-between;
+  padding: 11px 0;
+}
+
+.credit-detail-row dt {
+  color: #526171;
+  font-size: 13px;
+  font-weight: 750;
+}
+
+.credit-detail-row dd {
+  color: #14223a;
+  font-size: 14px;
+  font-weight: 950;
+  margin: 0;
+  text-align: right;
+}
+
+.credit-detail-positive dd {
+  color: #0b9f5c;
+}
+
+.credit-detail-negative dd {
+  color: #d64545;
+}
+
+.credit-cta-band {
+  align-items: center;
+  background: linear-gradient(135deg, #e6f6ee, #f0f9f4);
+  border: 1px solid #bfe6d2;
+  border-radius: 12px;
+  display: flex;
+  gap: 16px;
+  justify-content: space-between;
+  padding: 20px 22px;
+}
+
+.credit-cta-band strong {
+  color: #14223a;
+  display: block;
+  font-size: 15px;
+  font-weight: 950;
+}
+
+.credit-cta-band span {
+  color: #4b6a58;
+  display: block;
+  font-size: 13px;
+  font-weight: 750;
+  margin-top: 4px;
+}
+
+.credit-cta-band button {
+  align-items: center;
+  background: #0b9f5c;
+  border: none;
+  border-radius: 10px;
+  color: #ffffff;
+  display: inline-flex;
+  flex: 0 0 auto;
+  font-size: 14px;
+  font-weight: 900;
+  gap: 8px;
+  min-height: 48px;
+  padding: 0 20px;
+}
+
+.credit-cta-band button:hover:not(:disabled) {
+  background: #0a8b50;
+}
+
+.credit-cta-band button:disabled {
+  background: #b7c2cf;
+  cursor: not-allowed;
+}
+
+.credit-recos h3 {
+  align-items: center;
+  color: #14223a;
+  display: flex;
+  font-size: 16px;
+  font-weight: 950;
+  gap: 9px;
+  margin: 0 0 16px;
+}
+
+.credit-reco-list {
+  display: grid;
+  gap: 10px;
+}
+
+.credit-reco {
+  align-items: center;
+  background: #f8fafc;
+  border: 1px solid #e7edf3;
+  border-radius: 10px;
+  display: flex;
+  gap: 13px;
+  padding: 13px 15px;
+}
+
+.credit-reco-icon {
+  align-items: center;
+  background: #e6f6ee;
+  border-radius: 9px;
+  color: #0b9f5c;
+  display: flex;
+  flex: 0 0 auto;
+  font-size: 17px;
+  height: 40px;
+  justify-content: center;
+  width: 40px;
+}
+
+.credit-reco-body {
+  display: grid;
+  gap: 3px;
+  min-width: 0;
+}
+
+.credit-reco-body strong {
+  color: #14223a;
+  font-size: 13.5px;
+  font-weight: 900;
+}
+
+.credit-reco-body small {
+  color: #7a8798;
+  font-size: 12px;
+  font-weight: 700;
+  line-height: 1.4;
+}
+
+.credit-reco-delta {
+  color: #0b9f5c;
+  flex: 0 0 auto;
+  font-size: 14px;
+  font-weight: 950;
+  margin-left: auto;
+  white-space: nowrap;
+}
+
+.credit-disclaimer {
+  align-items: flex-start;
+  color: #7a8798;
+  display: flex;
+  font-size: 12px;
+  font-weight: 700;
+  gap: 9px;
+  line-height: 1.55;
+  margin: 4px 0 0;
+}
+
+.credit-disclaimer svg {
+  color: #0b9f5c;
+  flex: 0 0 auto;
+  font-size: 16px;
+  margin-top: 1px;
+}
+
+@media (max-width: 1080px) {
+  .credit-layout {
+    grid-template-columns: minmax(0, 1fr);
+  }
+}
+
+@media (max-width: 720px) {
+  .credit-grid-2 {
+    grid-template-columns: minmax(0, 1fr);
+  }
+
+  .credit-tiles {
+    grid-template-columns: minmax(0, 1fr);
+  }
+
+  .credit-details-head {
+    grid-template-columns: minmax(0, 1fr);
+  }
+
+  .credit-cta-band {
+    align-items: flex-start;
+    flex-direction: column;
+  }
+
+  .credit-title h1 {
+    font-size: 24px;
+  }
+
+  .credit-result-hero strong {
+    font-size: 36px;
+  }
+}
+
+/* Prawdziwe ogloszenie z serwisu w liscie "Moje oferty" */
+.listing-photo.clickable {
+  cursor: pointer;
+}
+
+.listing-status em.listing-live-tag {
+  background: #e6f6ee;
+  border-radius: 999px;
+  color: #0b9f5c;
+  font-size: 10.5px;
+  font-style: normal;
+  font-weight: 900;
+  letter-spacing: 0.02em;
+  padding: 2px 8px;
+  text-transform: uppercase;
+}
+
+/* Kalkulator osadzony w panelu konta (z paskiem bocznym) */
+.credit-account-main {
+  min-width: 0;
+}
+
+.credit-account-main .credit-title {
+  margin-top: 0;
+}
+
+@media (max-width: 1280px) {
+  .credit-account-main .credit-layout {
+    grid-template-columns: minmax(0, 1fr);
+  }
+}
+
+/* Powiadomienia - klikalnosc (logika, bez zmiany wygladu) */
+.notification-row,
+.notification-popover-item[role="button"] {
+  cursor: pointer;
+}
+
+.notification-popover-empty {
+  color: #7a8798;
+  font-size: 13px;
+  font-weight: 700;
+  margin: 0;
+  padding: 18px 4px;
+  text-align: center;
+}