diff --git a/scripts/smoke_frame_render.py b/scripts/smoke_frame_render.py
index 8655d4f..b8e7ee9 100644
--- a/scripts/smoke_frame_render.py
+++ b/scripts/smoke_frame_render.py
@@ -271,6 +271,15 @@ SELF_CHECK_FIXTURES: dict[str, dict] = {
     "bim_dx_comparison_table": _MOCK_BIM_DX_COMPARISON,
     "dx_sw_necessity_three_perspectives": _MOCK_DX_SW_NECESSITY,
     "info_management_what_how_when": _MOCK_INFO_MGMT,
+    "sw_reality_three_emphasis": {
+        "title": "현존 상용 S/W 의 현실",
+        "emphasis_1_label": "토목 전문성 부족",
+        "emphasis_1_body": [{"text": "건축용 S/W 일부 수정 적용", "indent": 0}],
+        "emphasis_2_label": "비효율성",
+        "emphasis_2_body": [{"text": "범용 개발 + 전문가용 한계", "indent": 0}],
+        "emphasis_3_label": "실무 적용 불가",
+        "emphasis_3_body": [{"text": "특수성 반영 어려움", "indent": 0}],
+    },
 }
 
 
diff --git a/templates/phase_z2/catalog/frame_contracts.yaml b/templates/phase_z2/catalog/frame_contracts.yaml
index d04aad8..f489c73 100644
--- a/templates/phase_z2/catalog/frame_contracts.yaml
+++ b/templates/phase_z2/catalog/frame_contracts.yaml
@@ -575,3 +575,60 @@ info_management_what_how_when:
       body_key_pattern: "section_{n}_body"
       empty_label: ""
       empty_body: []
+
+
+sw_reality_three_emphasis:
+  # Reason : V4 신호 0 (4 MDX sample). 32-frame all-in scope
+  # **catalog-completeness activation** (NOT V4 endorsement, Codex round 49 §1+§2).
+  # Pattern : cards / title-plus-3-emphasis — 3 problem-emphasis cards parallel.
+  # Track A frame 7 (single-frame, Codex round 49 §9 — no batch yet).
+  # Builder 재사용 = `quadrant_flat_slots` (F11/F20/F8 pattern).
+  template_id: sw_reality_three_emphasis
+  frame_id: 1171281209
+  family: cards
+
+  source_shape: top_bullets
+  cardinality:
+    strict: 3
+    overflow_policy: abort_or_review
+
+  role_order:
+    - emphasis_1
+    - emphasis_2
+    - emphasis_3
+
+  visual_hints:
+    min_height_px: 320
+
+  accepted_content_types:
+    - text_block
+
+  sub_zones:
+    - id: emphasis_1
+      role: main_text
+      accepts: [text_block]
+      cardinality: { strict: 1 }
+      partial_target_path: ".f28b__cols > .f28b__col:nth-child(1)"
+    - id: emphasis_2
+      role: main_text
+      accepts: [text_block]
+      cardinality: { strict: 1 }
+      partial_target_path: ".f28b__cols > .f28b__col:nth-child(2)"
+    - id: emphasis_3
+      role: main_text
+      accepts: [text_block]
+      cardinality: { strict: 1 }
+      partial_target_path: ".f28b__cols > .f28b__col:nth-child(3)"
+
+  payload:
+    title:
+      source: section.title
+    builder: quadrant_flat_slots             # 재사용
+    builder_options:
+      item_parser: quadrant_item             # 재사용
+      pad_to: 3
+      truncate_at: 3
+      label_key_pattern: "emphasis_{n}_label"
+      body_key_pattern: "emphasis_{n}_body"
+      empty_label: ""
+      empty_body: []
diff --git a/templates/phase_z2/families/sw_reality_three_emphasis.html b/templates/phase_z2/families/sw_reality_three_emphasis.html
new file mode 100644
index 0000000..653c3fd
--- /dev/null
+++ b/templates/phase_z2/families/sw_reality_three_emphasis.html
@@ -0,0 +1,135 @@
+<!-- Phase Z-2 MVP-1.5b frame-derived adapted block.
+     §17 룰 — Figma 시각 언어 promote, geometry 만 zone-compatible adapt. -->
+{#
+─────────────────────────────────────────────────────────────────────────────
+Visual Provenance — figma_to_html_agent/blocks/1171281209/ (frame 28)
+─────────────────────────────────────────────────────────────────────────────
+Frame 28 = "현존 상용 S/W의 현실" (cards/title-plus-3-emphasis). 3 emphasis
+cards parallel — 3 problem/약점/한계 진단 (토목 전문성 부족 / 비효율성 /
+실무 적용 불가).
+
+본 partial = Track A frame 7 (V4-zero catalog-completeness activation per
+Codex round 49 guardrail). V4 = matching authority 보존. Phase Z 는 runtime
+availability 만 추가.
+
+PROMOTED CSS :
+  - per-emphasis 경고 색 (red/orange/amber — problem theme)
+  - title gradient (zone-title family)
+  - bullet markers per-emphasis color
+
+NOT PROMOTED : Figma source decoration / banner / texture — 보존 (figma_to_html).
+
+ADAPTED : Figma absolute → flex 3-column grid + token-fixed typography.
+
+slots : title, emphasis_1/2/3_label, emphasis_1/2/3_body.
+#}
+
+<style>
+  .f28b {
+    width: 100%; height: 100%;
+    display: flex; flex-direction: column;
+    gap: 6px;
+    font-family: 'Noto Sans KR', 'Pretendard', sans-serif;
+    word-break: keep-all;
+  }
+  .f28b__title {
+    font-size: var(--font-zone-title);
+    font-weight: 700;
+    line-height: var(--lh-zone-title);
+    background-image: linear-gradient(180deg, #000 0%, #883700 100%);
+    -webkit-background-clip: text; background-clip: text;
+    color: transparent;
+    flex-shrink: 0;
+    filter: drop-shadow(0 0 3px rgba(50,44,30,0.4));
+  }
+
+  .f28b__cols {
+    display: grid;
+    grid-template-columns: 1fr 1fr 1fr;
+    gap: 10px;
+    flex: 1 1 auto;
+    min-height: 0;
+  }
+  .f28b__col {
+    display: flex; flex-direction: column;
+    border: 2px solid;
+    border-radius: 8px;
+    overflow: hidden;
+    background: #fff;
+    min-height: 0;
+  }
+  /* per-emphasis problem theme — orange/red family for 약점/한계 진단 */
+  .f28b__col:nth-child(1) { border-color: #dc2626; }   /* red */
+  .f28b__col:nth-child(2) { border-color: #ea580c; }   /* orange */
+  .f28b__col:nth-child(3) { border-color: #d97706; }   /* amber */
+
+  .f28b__header {
+    color: #fff;
+    font-weight: 700;
+    font-size: var(--font-sub-title);
+    line-height: 1.15;
+    padding: 6px 10px;
+    text-align: center;
+    flex-shrink: 0;
+    letter-spacing: -0.02em;
+  }
+  .f28b__col:nth-child(1) .f28b__header { background: linear-gradient(180deg, #dc2626 0%, #991b1b 100%); }
+  .f28b__col:nth-child(2) .f28b__header { background: linear-gradient(180deg, #ea580c 0%, #9a3412 100%); }
+  .f28b__col:nth-child(3) .f28b__header { background: linear-gradient(180deg, #d97706 0%, #92400e 100%); }
+
+  .f28b__body {
+    flex: 1 1 auto;
+    overflow: hidden;
+    padding: 6px 10px 8px;
+    color: #1a1a1a;
+    min-height: 0;
+    display: flex; flex-direction: column;
+    gap: 3px;
+  }
+  .f28b__body .text-line {
+    color: inherit;
+    font-size: var(--font-body);
+    line-height: var(--lh-body);
+    position: relative;
+    padding-left: 14px;
+  }
+  .f28b__body .text-line--bullet::before {
+    content: "!";
+    position: absolute;
+    left: 4px; top: 0;
+    font-weight: 700;
+  }
+  .f28b__col:nth-child(1) .f28b__body .text-line--bullet::before { color: #dc2626; }
+  .f28b__col:nth-child(2) .f28b__body .text-line--bullet::before { color: #ea580c; }
+  .f28b__col:nth-child(3) .f28b__body .text-line--bullet::before { color: #d97706; }
+</style>
+
+<div class="f28b" data-frame-id="1171281209" data-template-id="sw_reality_three_emphasis">
+  <div class="f28b__title">{{ slot_payload.title }}</div>
+  <div class="f28b__cols">
+    <div class="f28b__col">
+      <div class="f28b__header">{{ slot_payload.emphasis_1_label | safe }}</div>
+      <div class="f28b__body">
+        {% if slot_payload.emphasis_1_body %}
+        {% for line in slot_payload.emphasis_1_body %}<div class="text-line text-line--bullet{% if line.indent > 0 %} text-line--indent-{{ line.indent }}{% endif %}">{{ line.text | safe }}</div>{% endfor %}
+        {% endif %}
+      </div>
+    </div>
+    <div class="f28b__col">
+      <div class="f28b__header">{{ slot_payload.emphasis_2_label | safe }}</div>
+      <div class="f28b__body">
+        {% if slot_payload.emphasis_2_body %}
+        {% for line in slot_payload.emphasis_2_body %}<div class="text-line text-line--bullet{% if line.indent > 0 %} text-line--indent-{{ line.indent }}{% endif %}">{{ line.text | safe }}</div>{% endfor %}
+        {% endif %}
+      </div>
+    </div>
+    <div class="f28b__col">
+      <div class="f28b__header">{{ slot_payload.emphasis_3_label | safe }}</div>
+      <div class="f28b__body">
+        {% if slot_payload.emphasis_3_body %}
+        {% for line in slot_payload.emphasis_3_body %}<div class="text-line text-line--bullet{% if line.indent > 0 %} text-line--indent-{{ line.indent }}{% endif %}">{{ line.text | safe }}</div>{% endfor %}
+        {% endif %}
+      </div>
+    </div>
+  </div>
+</div>