Keyword Multiplier

[mangotude]

I'm wondering if there is a tool or software feature which would do the following

'multiply' columns of keywords into sets of keyphrases

e.g.

column1 (Forename)
James
Jack

column2 (Surname)
Jones
Smith

output would be

James Jones
Jack Jones
James Smith
Jack Smith

(2X2)=4

obviously the more words and columns, the more phrases (10x10x10)=1000

and also should be able to deal with differing column sizes

Any recommendations?