Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries full responsibility for behavioral disclosure. It only states 'Get historical returns analysis' without explaining whether it computes percentage change, what period logic is applied, what the response format is, or any limitations. This forces the agent to rely on assumptions.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.