Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Describes inputs and outputs (churn %, retention %, annualized rate) but does not explicitly state that the tool performs a read-only computation without side effects. With no annotations, the description carries the burden but leaves ambiguity about mutability.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.