Docs updates for E/A#95204 exclude pending card reports from Submit

[MelvinBot]

Explanation of Change

Companion help site update for Expensify/App#95204, which excludes workspace expense reports whose only expense is a pending (unposted) Expensify Card transaction from the Submit to-do and no longer shows a Submit button for them until a transaction posts.

The article Create and Submit Reports previously stated that all-pending Expensify Card reports still show the Submit button and produce an Unable to submit report error on click. After #95204 that is no longer true, so this PR updates the section "Why can't I submit a report with pending Expensify Card transactions?" to reflect the current behavior:

• The Submit button no longer appears for all-pending Expensify Card reports.
• Such reports are no longer counted in the Submit to-do.
• Once at least one transaction posts, the Submit button reappears and the report can be submitted.

Files changed

• docs/articles/new-expensify/reports-and-expenses/Create-and-Submit-Reports.md

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@ishpaul777, please review the files changed and confirm they reflect the current behavior. Then mark this PR Ready for review.

[mountiny]

Looks right

[ishpaul777]

@MelvinBot make it ready for review

[MelvinBot]

🤖 Done — this PR is now marked Ready for review. All checks are passing and it's already APPROVED.

[github-actions]

HelpDot Documentation Review

Overall Assessment
This PR makes a small, targeted update to a single FAQ answer in Create-and-Submit-Reports.md, aligning docs with the behavior change in Expensify/App PR 95204. The updated text explains that reports whose only transactions are pending Expensify Card transactions no longer show the Submit button and are excluded from the Submit to-do until a transaction posts. The change is accurate, well-scoped, and reads cleanly.

Scores Summary

• Readability: 9/10 - Clear, logically ordered (current state, reason, resolution), easy to scan. Replaces a slightly confusing prior explanation with a more direct one.
• AI Readiness: 9/10 - The FAQ heading is already a strong question-based phrase using the full feature name. The new answer reinforces real search intent (Submit button missing, Submit to-do). No metadata changes were needed for this diff.
• Style Compliance: 10/10 - UI labels are exact and correctly bolded (Submit button, Submit to-do). No prohibited or vague navigation language. Consistent with HELPSITE_NAMING_CONVENTIONS button and section standards.

Key Findings

• Correctly removes the now-inaccurate claim that the Submit button appears and produces an Unable to submit report error, matching the new behavior.
• All UI element references (Submit) are bolded with exact casing per naming conventions.
• The added mention of the Submit to-do improves retrieval and matches likely user phrasing.
• No structural, heading, or metadata concerns introduced by this diff.

Recommendations

• No blocking changes required. Optional: confirm the exact in-product label is Submit to-do (versus a slightly different label) to keep UI-exact terminology precise.

Files Reviewed

• docs/articles/new-expensify/reports-and-expenses/Create-and-Submit-Reports.md - Approved; single FAQ answer updated accurately and compliantly.

Note: This change was a single modified line; the assessment is based solely on the proposed diff.