1. A neural model for simulating a scorecard, comprising: a neural network configured to transform one or more inputs into an output, each input of the neural model having a squashing function applied thereto for simulating a bin of the simulated scorecard, wherein the squashing function includes a control variable for controlling the steepness of the response to the squashing function's input so that during training of the neural model the steepness can be controlled, the output representing the score of the simulated scorecard.