#include <iostream>
#include <cstring>
using namespace std;

class Klient {
    static int ID;
    char*  nazwisko;
    const  int id;
    int    ma,winien;

public:
    class Saldo {
        int id;
        int saldo;
    public:
        Saldo(int id, int saldo)
            : id(id), saldo(saldo)
        {}

        void printinfo();
    };

    Klient(const char* n)
        : nazwisko(strcpy(new char[strlen(n)+1],n)),
          id(++ID), ma(0), winien(0)
    {}

    Klient& wplata(int w)  { ma     += w; return *this; }
    Klient& wyplata(int w) { winien += w; return *this; }

    Saldo* dajSaldo();

    ~Klient() { delete [] nazwisko; }
};
int Klient::ID = 0;

Klient::Saldo* Klient::dajSaldo() {
    return new Saldo(id, ma - winien);
}

void Klient::Saldo::printinfo() {
    cout << "id: " << id << " Saldo: " << saldo << endl;
}

int main() {
    Klient  kow("Kowalski");
    Klient* pmal = new Klient("Malinowski");

    kow.wplata(100).wplata(50).wyplata(75);
    pmal->wplata(200).wyplata(50).wyplata(25);

    Klient::Saldo* pskow =   kow.dajSaldo();
    Klient::Saldo* psmal = pmal->dajSaldo();

    pskow->printinfo();
    psmal->printinfo();

    Klient::Saldo anonim(9,500);
    anonim.printinfo();

    delete pskow;
    delete psmal;
    delete pmal;
}