You are missing half of the work :)
void processOrder(FinancialToolsFactory ftf,Order o) {
tft.createTaxProcessor().calculateTaxes(o);
tft.createShipFeeProcessor().calculateShipFee(o);
}
this code works as well as you pass a canadian or european implementation of FinancialToolsFactory
(you can externalize the implementor class to external resource and instantiate with a Class.newInstance(), for example).
In this case one of the real benefits of pattern usage is not writing the code that implements the pattern, but who use that code!
PS: My answer is intentionally incomplete and try to answer just this specific question; a discussion about pattern and their benefits is too big!