Well it time for a theory. So we all know about the Characters Card and about the two ?????? cards that are missing their girls. This "theory" is about whom those girls are. In all I believe that three girls have the probability to own those card. First I'll start with the girl that I believe to have the lowest chance, the player mother. I don't really think that she would have a card, or at least not this early anyway. Now for the two girl that I (just gonna say it) "know" to own the card. The First of them will most likely be Madison, the owner of the College and if I remember correctly is also Veronica mother. Since the College is on the property listing it tells us that in the future we must be able to buy it, meaning that we will have to convince Madison to sell it. Plus all the current property owner have a card except for Madison, the one owner we haven't meant yet making her likely to be one of the ?????? Cards. The second that I "know" to be the last ?????? "must" be Sawano, the leader of the Kunoichi and an old friend of Gramps, so it only makes sense that she the other girl, or at least the final level of the Martial Stat. Cause the Lady of the Lake also got a high chance to came back in a future update. So in short terms it Madison and Lady of the Lake(or even Sawano), but we won't know for sure until it's their time. And also you should have just gone ahead and forgotten that I said three girls at first.