diff --git a/examples/src/luhny/solution.kt b/examples/src/luhny/solution.kt
new file mode 100644
index 00000000000..2132d27985c
--- /dev/null
+++ b/examples/src/luhny/solution.kt
@@ -0,0 +1,95 @@
+package luhnybin
+
+import std.io.*
+import java.io.*
+import java.util.ArrayDeque
+
+fun isCardChar(it : Char) : Boolean = it == ' ' || it == '-' || it.isDigit()
+
+fun applyMask(a : String) : String {
+  val luhny = Luhny()
+  for (c in a) {
+    luhny.process(c)
+  }
+  luhny.processEnd()
+
+  return luhny.output.toString().sure()
+}
+
+class Luhny() {
+  private val buffer = ArrayDeque<Char>()
+  private val digits = ArrayDeque<Int>(16)
+
+  private var toBeMasked = 0
+  val output = StringBuilder()
+
+  fun process(it : Char) {
+    buffer.addLast(it)
+
+    when {
+      it.isDigit() -> digits.addLast(it.toDigit())
+      it == ' ' || it == '-'   -> {
+      }
+      else -> printAll()
+    }
+
+    if (digits.size() > 16) {
+      printUntil { it.isDigit() }
+      digits.removeFirst()
+    }
+
+    check()
+  }
+
+  fun processEnd() {
+    while (digits.size() >= 14) {
+      check()
+      printUntil { it.isDigit() }
+      digits.removeFirst()
+    }
+
+    printAll()
+  }
+
+  private fun check() {
+    val size = digits.size()
+    if (size < 14) return
+
+    var sum = 0
+    var i = 0
+    for (d in digits) {
+      sum += if (i % 2 == size % 2) double(d) else d
+      i++
+    }
+
+    if (sum % 10 == 0)
+      toBeMasked = size
+  }
+
+  private fun double(d : Int) = d * 2 / 10 + d * 2 % 10
+
+  fun printAll() {
+    printUntil { false }
+    digits.clear()
+  }
+
+  private fun printUntil(f : (Char) -> Boolean) {
+    while (!buffer.isEmpty()) {
+      val c = buffer.removeFirst()
+      printChar(c)
+      if (f(c)) return
+    }
+  }
+
+  private fun printChar(c : Char) {
+    if (c.isDigit() && toBeMasked > 0) {
+      output.append('X')
+      toBeMasked--
+    } else {
+      output.append(c)
+    }
+  }
+}
+
+fun Char.isDigit() = Character.isDigit(this)
+fun Char.toDigit() = this.int - '0'.int
diff --git a/examples/src/luhny/test.kt b/examples/src/luhny/test.kt
new file mode 100644
index 00000000000..d4500670081
--- /dev/null
+++ b/examples/src/luhny/test.kt
@@ -0,0 +1,260 @@
+package luhnybin
+
+import java.util.*
+
+fun main(args : Array<String>) {
+  run()
+  System.out?.println("Success")
+}
+
+// HELPER FUNCTIONS
+
+val MASK : Char = 'X'
+
+val MIN_LENGTH : Int = 14
+val MAX_LENGTH : Int = 16
+
+val random = Random(0xDEADBEEF)
+
+class test(val testName : String) {
+  var input : String = ""
+
+  fun send(input : String) : test {
+    this.input = input
+    return this
+  }
+
+  fun expect(expected : String) {
+    val actual = applyMask(input)
+
+    assertEquals(
+    actual, expected,
+    "${testName} failed on \"${input}\"\n" +
+    "applyMask(data) = \"${actual}\", but must be \"$expected\"")
+  }
+
+  fun sendAndExpect(input : String) = send(input).expect(input)
+
+  fun assertEquals<T>(actual : T?, expected : T?, message : Any? = null) {
+    if (actual != expected) {
+      if (message == null)
+        throw AssertionError()
+      else
+        throw AssertionError(message)
+    }
+  }
+}
+
+fun run() {
+  test("line feed preservation").sendAndExpect("LF only ->\n<- LF only")
+
+  for (i in MIN_LENGTH..MAX_LENGTH)
+    test("valid " + i + "-digit #")
+    .send(randomNumber(i))
+    .expect(mask(i))
+
+  for (i in MIN_LENGTH..MAX_LENGTH)
+    test("non-matching " + i + "-digit #").sendAndExpect(nonMatchingSequence(i))
+
+  test("not enough digits").sendAndExpect(nonMatchingSequence(MIN_LENGTH - 1))
+
+  var tooMany = nonMatchingSequence(MAX_LENGTH)
+  tooMany += computeLast(tooMany)
+  test("too many digits").sendAndExpect(tooMany)
+
+  test("14-digit # prefixed with 0s")
+  .send("00" + randomNumber(14))
+  .expect(mask(16))
+
+  test("2 non-matching digits followed by a 14-digit #")
+  .send("1256613959932537")
+  .expect("12XXXXXXXXXXXXXX")
+
+  test("14-digit # embedded in a 16-digit #")
+  .send(nestedNumber())
+  .expect(mask(16))
+
+  test("16-digit # flanked by non-matching digits")
+  .send("9875610591081018250321")
+  .expect("987XXXXXXXXXXXXXXXX321")
+
+  testFormatted(' ')
+  testFormatted('-')
+
+  test("exception message containing a card #")
+  .send("java.lang.FakeException: " + formattedNumber(' ') + " is a card #.")
+  .expect("java.lang.FakeException: " + formattedMask(' ') + " is a card #.")
+
+  test("non-matching message").sendAndExpect("4111 1111 1111 111 doesn't have enough digits.")
+
+  test("non-matching message").sendAndExpect("56613959932535089 has too many digits.")
+
+  test("sequence of zeros")
+  .send(repeatingSequence('0', 1000))
+  .expect(mask(1000))
+
+  test("long sequence of non-digits").sendAndExpect(nonDigits())
+
+  testOverlappingMatches()
+
+  test("long sequence of digits with no matches").sendAndExpect(nonMatchingSequence(1000))
+}
+
+fun formatNumber(number : String, delimiter : Char) : String {
+  if (number.length != 16)
+    throw IllegalArgumentException("Expected length of 16.")
+
+  val formatted = StringBuilder()
+  for (i in 0..3) {
+    formatted.append(number.substring(i * 4, (i * 4) + 4))
+    if (i < 3)
+      formatted.append(delimiter)
+  }
+
+  return formatted.toString() ?: ""
+}
+
+fun formattedNumber(delimiter : Char) : String = formatNumber(randomNumber(16), delimiter)
+
+fun checkDigit(c : Char) : Char {
+  if (c < '0' || c > '9')
+    throw IllegalArgumentException("Not a digit: " + c)
+
+  return c
+}
+
+fun intValue(c : Char) : Int = checkDigit(c) - '0'
+
+/** Computes the last digit necessary to pass the Luhn check. */
+fun computeLast(allButLast : String) : Char {
+  var sum = 0
+
+  var i = allButLast.length - 1
+  while (i >= 0) {
+    val value = intValue(allButLast[i]) shl 1
+    sum += if (value > 9) value - 9 else  value
+
+    i -= 2
+  }
+
+  var j = allButLast.length - 2
+  while (j >= 0) {
+    sum += intValue(allButLast[j])
+    j -= 2
+  }
+
+  var remainder = sum % 10
+  return if (remainder == 0) '0' else ('0' + (10 - remainder)).chr
+}
+
+fun computeLast(allButLast : CharSequence) : Char = computeLast(allButLast.toString().sure())
+
+fun setRandomDigits(builder : StringBuilder, start : Int, end : Int) {
+  for (i in start..end-1)
+    builder.setCharAt(i, randomDigit())
+}
+
+/** Generates a random digit. */
+fun randomDigit() : Char = ('0' + random.nextInt(10)).chr
+
+fun nonDigits() : String {
+  val nonDigits = StringBuilder()
+  for (i in 0..999)
+    nonDigits.append((random.nextInt(68) + ':').chr)
+  return nonDigits.toString().sure()
+}
+
+fun testFormatted(delimiter : Char) {
+  test("16-digit # delimited with '" + delimiter + "'")
+  .send(formattedNumber(delimiter))
+  .expect(formattedMask(delimiter))
+}
+
+fun formattedMask(delimiter : Char) : String {
+  val mask = StringBuilder()
+
+  for (i in 0..3) {
+    mask.append(repeatingSequence(MASK, 4))
+    if (i < 3)
+      mask.append(delimiter)
+  }
+
+  return mask.toString().sure()
+}
+
+/** Computes a random, valid card # with the specified number of digits. */
+fun randomNumber(digits : Int) : String {
+  val number = StringBuilder(digits)
+  number.setLength(digits)
+  setRandomDigits(number, 0, digits - 1)
+  number.setCharAt(digits - 1, computeLast(number.subSequence(0, digits - 1).sure()))
+  return number.toString() ?: ""
+}
+
+/** Creates a 16-digit card # with a 14-digit number embedded inside. */
+fun nestedNumber() : String {
+  val number = StringBuilder(16)
+  number.setLength(16);
+  setRandomDigits(number, 0, 14);
+  number.setCharAt(14, computeLast(number.subSequence(1, 14).sure()))
+  number.setCharAt(15, computeLast(number.subSequence(0, 15).sure()))
+  return number.toString().sure()
+}
+
+/** Creates a sequence of mask characters with the given length. */
+fun mask(length : Int) : String {
+  return repeatingSequence(MASK, length);
+}
+
+/** Creates a sequence of c with the given length. */
+fun repeatingSequence(c : Char, length : Int) : String {
+  val sb = StringBuilder()
+  for (i in 1..length)
+    sb.append(c)
+  return sb.toString().sure()
+}
+
+class DigitSet() {
+  val bitSet = BitSet()
+
+  fun add(digit : Char) = bitSet.set(intValue(digit))
+  fun contains(digit : Char) : Boolean = bitSet.get(intValue(digit))
+  fun clear() = bitSet.clear()
+}
+
+fun testOverlappingMatches() {
+  val output = StringBuilder(randomNumber(MAX_LENGTH))
+  for (i in 0..1000 - MAX_LENGTH - 1)
+    output.append(computeLast(output.subSequence(i + 1, i + MAX_LENGTH).sure()))
+
+  test("long sequence of overlapping, valid #s")
+  .send(output.toString().sure())
+  .expect(mask(output.length()));
+}
+
+/** Generates a sequence of digits with the specified length and no card #s. */
+fun nonMatchingSequence(length : Int) : String {
+  val builder = StringBuilder()
+
+  for (lastIndex in 0..length-1) {
+    val excluded = DigitSet()
+    excluded.clear();
+
+    // Compute digits that would result in valid card #s.
+    for (subLength in MIN_LENGTH..MAX_LENGTH) {
+      val start = lastIndex - (subLength - 1);
+      if (start < 0)
+        break;
+      excluded.add(computeLast(builder.subSequence(start, lastIndex).sure()));
+    }
+
+    // Find a digit that doesn't result in a valid card #.
+    var digit : Char = '0'
+    do {
+      digit = randomDigit()
+    } while (excluded.contains(digit))
+    builder.append(digit);
+  }
+
+  return builder.toString().sure()
+}