further developed word splitting

1. 13 characters should probably include the "-", right?
2. In rare cases, the word we're splitting might be more than 26 letters long, or there might be a hyphen or dot beyond the 13th character.  This is one way to fix that issue.  It would be faster to just max it out at 13, but that opens up the issue in #3 again.
3. If the word is 14 characters, wouldn't we rather split it at character 7, instead of 13?  This way "acknowledgment" becomes "acknowl-" + "edgment" instead of "acknowledgme-" + "nt".