Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description is the sole source of behavioral information. It states the output is 'holidays for each currency that affect settlement dates', which is clear but lacks details on format, caching, or side effects. This is adequate but not exemplary.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.