1. A computerized system for augmenting data from a source database with data from a reference database to generate an augmented database that can be used for predictive modeling, comprising: a) a source database comprising structured data; b) a reference database having reference data; c) a locator component configured to use the structured data to locate reference data in the reference database suitable for association with the source database; d) an analyzer component configured to process the reference data into a set of descriptors and associating the descriptors to the source data to form an augmented database; e) a predictive modeling component configured to classify behavior with the augmented database; and f) a data mining component configured to conduct searches of data in the augmented database.