Thought I'd post this since I couldn't find it anywhere and it took a while to figure out.
First, if you want to group fields in cck and allow users to create duplicate entries, you need multigroup. But, that is only in a development version of cck, which is cck3. Found here: http://drupal.org/node/484068
To install this, I wasn't able to use the normal update.php. Instead I did this:
1. disable all the modules in the cck section. There will likely be a number of other modules dependent on the cck group of modules.
2. Replace the cck directory in the sites-->all--> modules with the updated 6.3 version
3. reenable all the modules you need.
That's it. I didn't (and couldn't) run the update.php, because the cck module wasn't an available option in the update list. But, the above worked and now I can use create multigroups.