Thanks for all the help. It took a few rounds of reading but I started to get the idea
and then this Wiki article and the simple example in it finally nailed it for me:
http://en.wikipedia.org/wiki/Cartesian_product
"For example, the Cartesian product of the 13-element set of standard playing card ranks {Ace, King, Queen, Jack, 10, 9, 8, 7, 6, 5, 4, 3, 2} and the four-element set of card suits {♠, ♥, ♦, ♣} is the 52-element set of all possible playing cards: ranks × suits = {(Ace, ♠), (King, ♠), ..., (2, ♠), (Ace, ♥), ..., (3, ♣), (2, ♣)}. The corresponding Cartesian product has 52 = 13 × 4 elements. The Cartesian product of the suits × ranks would still be the 52 pairings, but in the opposite order {(♠, Ace), (♠, King), ...}. Ordered pairs (a kind of tuple) have order, but sets are unordered. The order in which the elements of a set are listed is irrelevant; you can shuffle the deck and it's still the same set of cards."
Thanks again for getting the grey cells rattled.