Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and idempotentHint=true, which fully covers the safety profile of this pure calculation tool. The description adds semantic context by defining the output metrics, but it does not disclose any behavioral assumptions (e.g., continuous compounding, default periodsPerYear=2) that could affect results.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.