Reluctance to move grey hat fixed on lady's head (8)

Independent Cryptic #11826 | 29 Across | 2024-09-04
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I haven't cracked this one yet — but the brilliant team at Fifteensquared have:

Reluctance to move grey hat fixed on lady’s head L <ady> (“head” means first letter only) + *(GREY HAT); “fixed” is anagram indicator

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