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Default Matrix Calculation Help

Trying to write a formula to calculate the sum of revenue based on two
seperate ranges in Excel '03.

[XX] = CELL LOCATION

Number of Users
(Column A going Down)
[A2] = 1 to 4 users
[A3] = 5 to 14 users
15 to 24
and so on....

Number or Products
(Row 1 going Across)
[B1] = 1 to 5 products
[C1] = 6 to 10 products
11 to 15
and so on....

[B2] = $10
[B3] = $12
[C2] = $15

So if 1 user and 1 product = $10
2 user and 1 product = $10 X 2 = $20
6 users and 1 product = (10 x 4) + (12 x 2) = $64
3 user and 6 product = (10 x 3 x 5) + (15 x 3) = $195

So if given # of Users and # of Products will result in Total Spend = y
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