DebbieB, the comforter is inside the duvet. Do you have it confused with the bright cloth at the foot of the bed, that is not the duvet.
A duvet,actually it is a duvet cover, is simply a slipcover for a comforter/duvet (usually down or synthetic down). In that photo the duvet cover is white.
The thing in the photo at the foot of the bed that is colored with red circles is referred to as a Bed Scarf and no they don't remove them and laundry them often.
bed scarf
Web definitions
Fabric accessory that drapes across the bottom of a comforter or other bed covering for a decorative effect.
The duvet cover is simply a cover that the comforter goes in, and yes they remove those and wash them. And as Deb said the ones at BLT do not seem to be secured very well and we have stayed at other places where that was true and the duvet/comforter would slip down to the bottom of the cover.
Also the rehab at VWL is scheduled for some time in 2014. The room Deb saw in Jan and the hall carpet was a test.