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 an 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; and an output device having a display for displaying data representing the enhanced segmented scorecard, each enhanced segmented scorecard for a respective segment of the population being associated with a corresponding optimized score weight of a plurality of optimized score weights, the plurality of optimized score weights characterizing an optimization of score weights associated with the respective generated scorecard.