title: Excel concatenate unknown number of cell values without VBA
body: <p>I need to send out an Excel file to 3rd party to capture data and I must not use VBA.</p>
  
  <p>The user must capture at least one string and by default there is space to capture up to 10 strings, say in the range D23:D32.
  Row 33 is an empty row.
  From row 34 onwards other data must be captured. I can define a name for D33 or D34.</p>
  
  <p>If the user needs to capture more than 10 strings he can insert additional rows.</p>
  
  <p>Now I need to concatenate the strings the user has captured separating them by a semicolon.
  To clarify what I mean. If the user was not able to insert rows this formula would do it:</p>
  
  <pre><code>=D23 &amp; IF(D24="","",";"&amp;D24) &amp; IF(D25="","",";"&amp;D25) &amp; IF(D26="","",";"&amp;D26)&amp;IF(D27="","",";"&amp;D27)&amp;IF(D28="","",";"&amp;D28)&amp;IF(D29="","",";"&amp;D29)&amp;IF(D30="","",";"&amp;D30)&amp;IF(D31="","",";"&amp;D31)&amp;IF(D32="","",";"&amp;D32)
  </code></pre>
  
  <p>Is there a way to include the rows the user might have added? </p>