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File: /home/ukqcurpj/public_html/wp-content/themes/masterstudy/woocommerce/checkout/form-billing.php
<?php
/**
 * Checkout billing information form
 *
 * This template can be overridden by copying it to yourtheme/woocommerce/checkout/form-billing.php.
 *
 * HOWEVER, on occasion WooCommerce will need to update template files and you
 * (the theme developer) will need to copy the new files to your theme to
 * maintain compatibility. We try to do this as little as possible, but it does
 * happen. When this occurs the version of the template file will be bumped and
 * the readme will list any important changes.
 *
 * @see     https://docs.woocommerce.com/document/template-structure/
 * @package WooCommerce/Templates
 * @version 3.6.0
 */

if ( ! defined( 'ABSPATH' ) ) {
	exit; // Exit if accessed directly
}

/** @global WC_Checkout $checkout */

?>
<div class="woocommerce-billing-fields">
	<?php if ( wc_ship_to_billing_address_only() && WC()->cart->needs_shipping() ) : ?>

		<h3><?php esc_html_e( 'Billing &amp; Shipping', 'masterstudy'); ?></h3>

	<?php else : ?>

		<h3><?php esc_html_e( 'Billing details', 'masterstudy'); ?></h3>

	<?php endif; ?>

	<?php do_action( 'woocommerce_before_checkout_billing_form', $checkout ); ?>

	<div class="woocommerce-billing-fields__field-wrapper">
		<?php
			$fields = $checkout->get_checkout_fields( 'billing' );

			foreach ( $fields as $key => $field ) {
				if ( isset( $field['country_field'], $fields[ $field['country_field'] ] ) ) {
					$field['country'] = $checkout->get_value( $field['country_field'] );
				}
				woocommerce_form_field( $key, $field, $checkout->get_value( $key ) );
			}
		?>
	</div>

	<?php do_action( 'woocommerce_after_checkout_billing_form', $checkout ); ?>
</div>

<?php if ( ! is_user_logged_in() && $checkout->is_registration_enabled() ) : ?>
	<div class="woocommerce-account-fields">
		<?php if ( ! $checkout->is_registration_required() ) : ?>

			<p class="form-row form-row-wide create-account">
				<input class="input-checkbox" id="createaccount" <?php checked( ( true === $checkout->get_value( 'createaccount' ) || ( true === apply_filters( 'woocommerce_create_account_default_checked', false ) ) ), true ) ?> type="checkbox" name="createaccount" value="1" />
				<label for="createaccount" class="checkbox"><?php esc_html_e( 'Create an account?', 'masterstudy'); ?></label>
			</p>

		<?php endif; ?>

		<?php do_action( 'woocommerce_before_checkout_registration_form', $checkout ); ?>

		<?php if ( $checkout->get_checkout_fields( 'account' ) ) : ?>

			<div class="create-account">
				<p class="mg-bt-10"><?php esc_html_e( 'Create an account by entering the information below. If you are a returning customer please login at the top of the page.', 'masterstudy'); ?></p>
				<?php foreach ( $checkout->get_checkout_fields( 'account' ) as $key => $field ) : ?>
					<?php woocommerce_form_field( $key, $field, $checkout->get_value( $key ) ); ?>
				<?php endforeach; ?>
				<div class="clear"></div>
			</div>

		<?php endif; ?>

		<?php do_action( 'woocommerce_after_checkout_registration_form', $checkout ); ?>
	</div>
<?php endif; ?>