Formal:
* Pani (pronounced "pah-nee") - This is the most common and respectful way to address a married woman. It literally translates to "Ms." but is used for both married and unmarried women.
* Pani [husband's last name] (e.g., Pani Nowak) - This is a more formal way of addressing a married woman, using her husband's last name.
Informal:
* Pani [husband's first name] (e.g., Pani Jan) - This is a more informal way to address a married woman, using her husband's first name.
* [Husband's first name]owa (e.g., Janowa) - This is a more informal way to address a married woman, adding the suffix "-owa" to her husband's first name.
Important Note: In Polish, it's considered polite to use "Pani" when addressing a woman you don't know well. It's best to err on the side of formality until you are familiar with the woman and know what she prefers.