It's be nice to display something more user friend to the user like name - you could even do name and email:
instance method in model
```
def name_and_email
  [first_name, last_name, email].join(" ")
end
```
form
```
<%= f.input :owner_id, :collection => Owner.all.collect{|c| [c.name_and_email, c.id]} %>
```