Bed design help

I'm working on designing a loft bed for my daughter that would have a desk underneath. I was considering doing frame and panel around the outside of the bed, but am caught up on how to attach the panels to the posts (2 1/4" square hardwood). Would it be considered bad design if the rails had both a mortise to attach the stiles, and a tenon to attach to the posts? Are there other problems that could possibly come up this way?


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