Below is the list of tables from the database along with their columns and datatype. Need to generate an accurate SQL query for the question.
Only use the columns present in the respective table. Only use the columns which are required to generate the SQL query. Only use table joins if required and not otherwise.

### Tables ###
TABLE: CREATE TABLE table_name_81 ( lost INTEGER, points VARCHAR, draw VARCHAR, team VARCHAR )

### Question ###
What is the largest number lost with 0 draws and less than 12 points for Gwardia Katowice?

### Accurate SQL ###

SELECT MAX(lost) FROM table_name_81 WHERE draw = 0 AND team = "gwardia katowice" AND points < 12