def split_in_words_and_lowercase(line):
    """Split a line of text into a list of lower-case words."""
    parts = line.strip('\n').replace('-', ' ').replace("'", " ").replace('"', ' ').split()
    parts = [p.strip('",._;?!:()[]').lower() for p in parts]
    return [p for p in parts if p != '']