1. A system for building segmented scorecards for a population, the system comprising: a model builder computer for building a model of the population repository that stores one or more variables used by the model builder to build the model; and a scorecard computer in communication with the model builder computer, the scorecard computer configured to execute an adaptive random tree computer program to generate a scorecard for each segment of the population based on the model, and to enhance the scorecard for each segment using a integer non-linear programming computer program to determine reactions of each segment to the one or more variables used by the model builder to build the model, and to generate an enhanced segmented scorecard for the population.