- Dzień dobry, pani Kowalska!- Dzień dobry, panie profesorze.
that's right :)
Well, both would still be capitalized in direct address. Indirect mention would then of course be lower case. Compare: "Dzień dobry, Pani Kowalska!"
not unless it's the heading of a letter, just as it has been said above. Direct or indirect, you don't capitalize pan/i in dialogues, books, when relating conversations, etc.
"Już pozdrawiłem pani Kowalskę."
pozdr
owiłem pani
ą Kowalsk
ą