dear lazyweb: personal finance software?

Dear Lazyweb:

Quicken?  Quicken Essentials?  Mint?  Moneydance?  GnuCash?  MS Money?  Some other thing I haven’t heard of?  Pimp your solutions at me, please: go!

In an ideal world, this would:

  • have an iPhone app interface, so I can quickly add in things like restaurant bills
  • do bill payment
  • interface with my various bank/retirement accounts
  • run on MacOS X if it’s not a pure-web solution

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i using GnuCash