public static List<String> toLines(String s) {
    List<String> lines = new ArrayList<String>();
    int start = 0;
    while (true) {
      int i = toLines_nextLineBreak(s, start);
      if (i < 0) {
        if (s.length() > start) lines.add(s.substring(start));
        break;
      }

      lines.add(s.substring(start, i));
      if (s.charAt(i) == '\r' && i+1 < s.length() && s.charAt(i+1) == '\n')
        i += 2;
      else
        ++i;

      start = i;
    }
    return lines;
  }

  private static int toLines_nextLineBreak(String s, int start) {
    for (int i = start; i < s.length(); i++) {
      char c = s.charAt(i);
      if (c == '\r' || c == '\n')
        return i;
    }
    return -1;
  }