Causes of coral bleaching
Reef-building corals depend on zooxanthellae, single-celled algae living inside their tissue that make food from light. When water stays too warm, the algae's photosynthesis breaks down and starts producing harmful by-products, so the coral expels them. On wild reefs, unusually warm water driven by climate change and marine heatwaves is the leading cause of mass bleaching (NOAA).
NOAA also lists strong sunlight during hot spells, storm rain and runoff that dilute seawater and carry pollutants, and air exposure at extreme low tides. Some pollutants, such as herbicides, can damage the algae directly (EPA). Several mild stresses together can bleach a coral that would cope with any one alone, which is why the simulator lets you stack them.