I think you need to put the top banner in it's own row that it takes up the full width. Like this:
<div class="row" id="banner" >
<div class="row">
<div class="large-12 medium-12 columns" style="background:green;">
<h1>Banner/Top</H1>
</div>
</div>
<div id="bio" class="row" style="background:red;" >
<div class="large-6 medium-6 columns" >
<h1>LEFT</H1>
</div>
<div class="large-6 medium-6 columns" >
<h1>RIGHT</H1>
</div>
</div>
</div>
edit: you may need one large-12 column that wraps both the banner+#bio rows