What Ziemowit wrote + extra info about the z- prefix:
I. The general rule: if the word starts with 1/ a vowel (a, e, i, o, u) or 2/ a voiced consonant (b, d, g, j, l, ł, m, n, r, w, z, dź/dzi) or 3/ the letter "h" or 4/ the voiceless sounds "s", "sz" "si/ś" - the prefix stays unchanged (z-)
II. Before words starting with a voiceless consonants - it's more complicated, the prefix is changed from z- to s- before the following voiceless consonants: p, f, t, k, c, cz, ch
III. If the first sound in the root word is the voiceless and soft "ci/ć", the "z-" prefix through voiceless "s-" becomes softened "ś-" (for example: ciąć >> ściąć, cierpieć >> ścierpieć).
Note: Historically "h" was voiced and "ch" voiceless, today both are pronounced as a voiceless "h", but the old rules remained and create some confusion among native speakers. No words in this context begin with "ś" or "dź" or "ć", I just used them to underline the soft pronounciation the combinations "si", "dzi", "ci".
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