question: List at least three major threats to reef ecosystems that have been identified in scientific research over the last five years. Provide the information in JSON format and ensure the description for each threat does not exceed 20 words.
answer: ```json
  {
    "threats": [
      {
        "name": "Coral Bleaching",
        "description": "Caused by rising sea temperatures, leading to loss of symbiotic algae."
      },
      {
        "name": "Ocean Acidification",
        "description": "Increased CO2 levels reduce calcification rates, weakening coral skeletons."
      },
      {
        "name": "Overfishing",
        "description": "Disrupts ecological balance, affecting reef resilience and biodiversity."
      }
    ]
  }
  ```