Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description must carry full behavioral disclosure, but it only says 'lists the folders.' It does not clarify whether nested folders are included, whether all accounts are covered when account_id is null, whether there is a default account, or whether the operation has any side effects.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.