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;

  }