Attempt to explain the deductible

There is often confusion about the deductible. Often prompted by someone calling BCBS and being told their deductible is much higher than it actually is.

This change attempts to provide a clear explanation of what is actually going on.
It's definitely been useful to me to be able to use the CS website reconcile what CS claims they've done RE: FSA and HRA usage vs. what BCBS says is happening vs. the bills a provider sends to me, and have it make sense.