Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The annotations already declare readOnlyHint=true and destructiveHint=false, so the read-only nature is covered. The description adds the domain context 'mortgage simulations' but does not disclose any additional behavioral traits such as pagination, ordering, or error handling. It is consistent with annotations, neither contradicting nor adding significant value.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.