For several years I authenticated autographs on sports memorabilia. And while I respect your opinion, I do strongly disagree, and here's why. If you examine every lower case "A" on that note, in every example the downstroke returns all the way down to the baseline -- all except on the second "Caroline" -- where the downstroke leaves the letter near the top, just like the "O" in "around". And if this second name is indeed "Caroline", it is entirely missing a discernible "O" and "L" -- which would make it the only example of a word in the entire note that is missing letters in that fashion.
In addition, when it comes to a person's autograph -- we write our names constantly. It would be unusual for someone named Caroline to butcher writing the name Caroline. It just isn't likely. Writing our names is one of those things we can all do in our sleep.
I do want to add that the copy we all have seen is terrible for analysis. To be certain of any of my findings I would have to examine the original document, which is impossible. So I guess this remains a mystery too.