Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are present, so the description carries the burden. It discloses one non-obvious behavior (mid-year move-out yields two rows), which is useful, but it omits other important behavioral details such as auth requirements, response structure, or error conditions. Some transparency exists, but it is limited.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.