The Madison area pretty much stinks compared to several peers when it comes to creating private sector jobs and generating new companies, according to a $140,000 study. It found the Madison region lagging in income growth, ethic diversity and the number of young people putting down roots here. Other black marks include the high cost of living, lack of broadband access and limited access to investment capital. But the report lauded the area for its high quality of life, the easy availability of health care and the large amount of research and development at UW-Madison.