from typing import List

def chunk_text(s: str, max_chars: int) -> List[str]:
    if len(s) <= max_chars:
        return [s]
    chunks = []
    start = 0
    while start < len(s):
        end = min(len(s), start + max_chars)
        # try to split on function boundary or newline
        newline = s.rfind("\n", start, end)
        if newline == -1 or newline <= start + 1000:
            newline = end
        chunks.append(s[start:newline])
        start = newline
    return chunks