Is Fran aware of Joe's plan at the end?

To me it seemed that at the end only Joe alone knows that he has the gold. His wife had made a deal with Jimmy (Bergman's nephew). And not only that, she says:

You're the one who sent me to him. You shouldn't have sent me to him.

Revealing that she has an affair with Jimmy and is about to leave Joe for him. I think he hoped for Fran to stand by him, but still prepared for her possible betrayal.

There wasn't anything for me to hint at his wife being aware that he leaves with (at least part of) the gold. While the movie sure didn't run short of twists and double crosses, it has nevertheless always made those twists obvious when they occured and to me there wasn't any doubt in the fact that Fran had switched sides to Jimmy. She didn't want Joe to die, but she sure wanted to leave with Jimmy and the gold. Without the slightest hint of her knowing about Joe's double cross (or maybe even double crossing Jimmy herself) I don't have a reason to believe in that.

(While I admit that it is not 100% clear if she wasn't aware of Joe having part of the gold, we are bound to go by what the movie tells us. We cannot see what happened after the movie but what happened during it at least doesn't raise a doubt in me that she was unaware.)

I thought there was some evidence that she's in on the plan. She says: "Cute plan though" He replies: "Cute as a Chinese baby" She looks at him and nods with lingering eye contact. I think Chinese baby could be a code word for another rendezvous point or something. That said it's not totally obvious.

Fran was definitely in on the con at the end of the movie, hence:

She says: "Cute plan though". He replies: "Cute as a Chinese baby".

The lingering look at that point highlights the plan between Joe and Fran to finally double cross Jimmy once and for all-she was definitely in on the whole plan-and would be meeting with Joe in due course-even the wiki-plot highlights this scenario.

I have to admit I was left with some lingering doubt whether Fran was in on it at the end of the movie but I think it's unlikely. First, what would be the point of such an elaborate scheme? You might think Fran pulled this to insure Jimmy (who in the movie is made out to be connected) takes the fatwa off of Joe, but after Jimmy finds out he was duped, he'd be right back after Joe. Second, Hackman's facial expressions seem to suggest he realizes she is gone. When he leaves the boat after the shootout he has a weird look on his face: it's like he's hoping she'll come back but he knows she won't. Who knows, maybe Joe even set the whole thing up to test her. If you remember the opening scene of the movie, Delroy Lindos character comments that he thinks love makes the world go around and Hackman agrees and adds "love of gold". Maybe he was testing these 2 hypotheses

dont think fran was in on the double cross, she could have dusted off bergmans nephew at any time, what threw me was frans comment when she said to joe you"ll be alright, which led me to believe she knew she was leaving with a partial portion of the gold. good movie just that ending was a real mind bender, when i first saw it i thought wa\har fran and jimmy took were fakes which would lead you to think fran was in on the whole plot but when she entered the garage she see joe painting the gold and i guess assumed that the load was there