American Express Membership Rewards - MR for Gold Rewards Plus card

I can't seem to find the answer, nor do I remember my charges/fees:

If I have the Rewards Plus Gold card, is my $40 MR fee included, or is it a separate charge?

-if so-

I have Plat. for my wife and I. If I downgrade her to RPG, do I have to pay $40 for her MR?

Rewards Plus Gold comes with Membership Rewards. There's no extra fee; it's all included in the $150/year.

You and your wife would get the Rewards Plus Gold with MR for $150.00 per year as MR and 5 fee free additional cards are included with your initial RP Gold Card.

- ChuckB