Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Without annotations, the description must carry behavioral transparency. It mentions using progressive brackets and standard deduction, and lists return fields. However, it does not disclose assumptions (e.g., no itemization, no tax credits, only federal) or limitations, leaving some behavioral traits implicit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.