However, you can use an array of objects without creating any additional associations. For example, let's say that in your controller you prepared some array @large_payments, then in the view you can do the following:
<%= f.fields_for :payments, @large_payments do |payment| %> ...
Thus, if you have a fairly large form or several form pages, and you do not want to create an additional association for each group that you want to display, you do not need to.
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