jrdrcs,
Welcome to the forum!
Unfortunately, Excel's native CONCATENATE() function doesn't work with arrays. This means that there is no way Excel can perform what you're asking for without the use of VBA or an add-in.
Attached is a modified version of the workbook you posted.
I have added the ConcatAll UDF that I created, which is posted here:
http://www.excelforum.com/tips-and-t...geravatar.html
Then, in cell K2 is this array formula. Note that array formulas must be entered with Ctrl+Shift+Enter. That's how the formula gets wrapped in the curly braces {}, do not try to add those yourself.
I enabled the "Wrap Text" option for cell K2, and then copied the cell down.
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