Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries the full burden of behavioral disclosure. It states the tool returns APR, implying a read-only operation, but does not specify if it requires authentication, has rate limits, or details the return format (e.g., numeric value, structured data). This leaves significant gaps for a tool with no annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.