Embarrassingly, I found that I was one of those "other people, bad citizens" when I replaced a headlight bulb and noticed the reflector was loose.
Step 1: Open hood and check reflector
This is 1996 Volvo 850 GLT with cold weather package. I imagine the headlight assembly and surrounding components aren't that different for models around the same age.
Step 3: Remove turn signal assembly
As an aside, I think this type of connection is pretty sweet: positive connection, easy for the user to access and remove, quick assembly. Good job Volvo!