What is your favorite front end for user interaction to postgresql databases?

What is your favorite front end for end users to interact with your
postgresql db?  Is it java, .net, web apache + php, MS-Access, ruby on
rails?  Why is it your favorite?  Which would you recommend for end
users on multiple OSes?

Also, what do you think of having the database management system do all
work (business logic etc) with the front end as a user interface vs.
having N-tier with an application server handling business logic, and
the db just accepting data.  I currently have the opinion that N-tier
is not as good as having the db contain the business logic via stored
procedures.  This comes from having to re-invent the wheel every time a
new user app needs to  be created.