Create A Java Program That Accepts A String

So basically I have to create a java program that accepts a string and does the following:

1.) Insert a blank space before capital letters
2.) Convert any capital letters into lower case except the first letter(if it is capital).

So if the user enters "HiMyNameIsJohn", the result should be "Hi my name is john". I am having problems inside my changeMe method. Everything works fine including putting a blank space in between upper case words. So from the previous example, my code would show "Hi My Name Is John". I am having issues making the code to convert the upper case letters into lower case. Im pretty sure the code should be right after the str.insert(i, " "). But I do not how to code it. Ive thought about Character.toUpperCase(ch); but doesnt work.

Java Code:

import java.util.*;
public class WordSeparator
{
public static void main(String[] args)
{
String word1, word2;
Scanner userInput = new Scanner(System.in);

[code]....