SuAnne identifies the 'Locked-In Effect,' where approximately 82% of homeowners on the Wasatch Front have interest rates below 4.5%. This creates a stagnant market where people who *want* to move cannot justify the financial jump to 7% rates. She explains that the industry is now entirely driven by 'have-to' movers: those facing divorce, death, job changes, or marriage, rather than lifestyle upgrade seekers.