I have a matrix, 6 columns x 2 rows, which contains letter codes. Example:

A C E R Q L
B D K S P N

Each column is a choice; that is, either A or B; either C or D, etc.

I need to create a list of all possible permutations.
There are 64 permutations, e.g.
ACERQL
ACERQN
ACERPL
ACERPN
etc.

The letters in my 12 cells sometimes change based on formulas elsewhere in
the document, so the list needs to change with them.

To make things even more complicated, some columns will sometimes have THREE
choices in them instead of two (again, changing based on formulas), so the
ideal answer would enable me to deal with those cases automatically.