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Scored across 3 tools
The three tools target distinct operations: enumerating the coverage list, fetching one state's rules, and comparing 2-6 states. The only overlap is that compare_states is effectively a batched get_deposit_rules, but the descriptions explicitly state when to use each (single-state question vs. multi-state comparison), so misselection risk is low.
All three names follow a clean verb_noun snake_case pattern (list_covered_states, get_deposit_rules, compare_states). The verbs are distinct and accurately reflect each action.
Three tools is a lean but adequate surface for a narrow read-only reference domain (list coverage, get one state, compare several). It sits at the low end of well-scoped, with no redundant tools, though a search-by-topic entry point is absent.
Discovery, single-state retrieval, and multi-state comparison cover the core lifecycle for a read-only legal-reference service; no create/update/delete is needed. Minor gaps exist: there is no full-text or topic query across states, and FAQs are only reachable as a flag on get_deposit_rules.